All of my HAM HT's are transceivers, meaning they couple a transmitter and a receiver. There are not two different interfaces or menus separating the two. What I program to receive I can also tx on if it's within a certain range. I have only checked my Yaesu VX-3 so far but I don't think there is a way to disable transmit on a programmed frequency.
You're overlooking a function of the microprocesser embedded in the radio. Part of it's function is to "know" where the band edges are, and disallow transmit capability outside the amateur bands. The mods everyone speaks of merely causes the microprocessor to ignore the band limits, and you then become subject to the actual hardware limitations.
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