Just about everyone "keeps their digits well away from a spinning blade" the same way most everyone drives their car reasonably safely. That doesn't mean airbags are a bad thing, and it also doesn't mean a brake is a bad thing on a table saw.
I don't have any experience with either Harvey saw, but I can say from experience (though not ownership) that Sawstop saws are top quality.
I don't have any experience with either Harvey saw, but I can say from experience (though not ownership) that Sawstop saws are top quality.