What sort of cutting? I'm probably in a similar situation as you...homeowner and familiar with the saw but basically a hack. I have a MS250 and use two different chains the RMC (stock chain-safety) and a RS (full chisel standard chain). I use them in different conditions although they have both been used on similar wood (pine, maple, oak and beech). Here is what I think.
The RS cuts fast and is just a good clean wood chain, however the nose is a bit twitchy if you have to do a plunge cut (only had to do this twice) or are near the end of the bar. Noting bad but I had to plan it a little more. The RMC cuts almost as good but just a little slower than the RS. It is smoother and I was surprised the "comfort" actually worked. The plunge isn't as twitchy but you still have to watch the nose...kickback is reduced not removed (about 3 plunge cuts with the RMC). As a homeowner, I notice some differences but I can't say the reduced kickback chain hinders what I'm cutting. I wouldn't go out of my way to find a safety chain but if it was there and the correct type I would probably buy it.
-Eric