I don't know why the clerk said the gun couldn't be loaded...maybe he was told that and never checked. This is a heavy LEO based shop that has a lot of swat gear, etc. They usually know their merchandise. I was with my wife and thought she'd like it. I think maybe he or someone he knew had their eye on it and figured that I didn't know better.
I don't know if I still have the inserts. They were heavy spring steel about 3/4" long, a sixteenth inch thick or less...like a tube cut length-wise. You compress them and shove them in the cylinder, they expand and make each slot too small for a 38. They were stiff enough that you couldn't force a round into the cylinder, but I tapped them out with a wood dowel.