[commando552]

I think the only Colt manufactured SAA that has a transfer bar is the now discontinued Colt Cowboy. You do not have to rest the hammer on an empty chamber though, as there is a safety notch on the hammer that allows you to cock it back slightly so the hammer doesn't rest directly on the firing pin (SAA has four positions: uncocked, safety notch, half-cock and full-cock). However it is recommended to keep an empty chamber, as it is possible that a strong enough impact could break this notch and allow the hammer to move forwards.