Here is a way to look at it. For arguments sake, the radio is never dropped or the connector damaged in any way other than removing/installing antennas and the connectors wear out at 500 cycles (remove and replace the antenna equals 1 cycle). You have the radio in the house with an antenna attached, you go to the car, remove the portable antenna and connect the car antenna, that's one cycle. You get home, remove the car antenna and connect the portable antenna, that is 2 cycles in one day. 2 cycles per day would wear out the connector in 8 months 7 days. If you used a BNC adapter, with the same wear, you would replace the adapter at the same 8 months, 7 days but only have 1 cycle on the SMA adapter. This means that it would take 343 years to wear out the SMA adapter. Kind of a no brainer to me.
The other advantage of the BNC adapter - after you get the SMA connector lined up to start screwing it down, it's turn turn turn turn turn turn turn turn turn, etc. until it's snug. With the BNC connector it's tu and it's done. Yes, I realize I only typed tu, because tu is only half of turn, and a BNC is less than half a turn to connect/disconnect.
BTW - I have had a SMA to BNC connector on my BCD396T for over 8 years, yes, it's showing wear on the pins but, it still works just fine.
Tim
W6TGM