The chances of being able, (or needing) to cock a close range defense revolver are slim.
On the other hand the chances of getting the hammer spur fouled in clothing is much higher.
You have to consider the percentages on question like this.
So:
What are the chances you would need or even have the time to cock a revolver in a "real-world" defense situation?
What kind of carry will you use, and what type clothing do you wear?
What are the chances the hammer spur could snag or foul?
There is one option.
Years ago, the prime defense snub revolver was the Colt Detective Special. It was a common practice to cut the hammer spur off and groove or checker the top of the hammer.
This removed the snag potential, but allowed the hammer to still be cocked since the single action feature wasn't compromised.
This can also be done to the standard spurred Ruger hammer.
The only problem with this, is the hammer is difficult to grip with the thumb, since there is a very small gripping area.
Old timer revolver men used to start the hammer back with the trigger, then hook the thumb over the now more exposed hammer.
The problem here, is the very high potential to squeeze the trigger a little too much, and fire the gun accidentally, especially under stress.
In modern gun handling, techniques like this are an absolute NO-NO.
My suggestion is to do the "real-world" percentages analysis. If you come to the conclusion there's little chance of needing or being able to employ the single action feature, buy the hammerless version.
It's quite effective and fast into use, and has virtually no chance of snagging or fouling.
As for double action shooting, excellent, even surprising accuracy can be obtained with a DA trigger by simply practicing.