You are really splitting hairs either way. I would just buy the model I wanted, in the caliber I wanted. Most of the M&Ps are running 100% out of the box. If you happen to have a problem, S&W will fix it for free.
I staarted dropping Mags from my 40 last week and couldnt figure it out until yesterday when i thought i would change my grip and it stopped dropping mags. There was a young kid there showing interest in my 40 so i let him shoot it and he kept hitting the mag release with his thumb. so i was quite happy to it was not a technical difficulty just me dropping the mag.
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