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Salmoneye, What you described is exactly how a Ruger NM has to work ... otherwise it won't go bang. Because the transfer bar is directly coupled to the trigger, the gun won't fire unless the trigger is pulled all the way back. Pulling the trigger allows the transfer bar to raise and align with the firing pin. The firing pin is indeed kinetic because it travels much farther when struck than when the hammer is just resting on the transfer bar (trigger pulled back). Once you release the trigger, the transfer bar drops and the top step of the hammer rests on the frame.
So ... when the trigger is held back, the hammer will indeed push on the transfer bar and in turn, the transfer bar will push on the spring loaded firing pin. With the trigger pulled, this will give a little springy feel to the hammer but once the trigger is released, the transfer bar drops and the hammer will be solid against the frame. If the gun works any other way than this ... something is bad wrong.
So ... when the trigger is held back, the hammer will indeed push on the transfer bar and in turn, the transfer bar will push on the spring loaded firing pin. With the trigger pulled, this will give a little springy feel to the hammer but once the trigger is released, the transfer bar drops and the hammer will be solid against the frame. If the gun works any other way than this ... something is bad wrong.