Chris Schwarz recently posted 2-part series on tuning up jack planes on the Lost Art Press blog in which he mentions lapping the face of the frog without removing the lateral adjuster or the depth adjuster. I've seen people lap frog faces on youtube this way (Rex Krueger, among others, has a video where he does this), and have even tried it myself, twice. Once on a type-19 Stanley #6, and again on a Millers Falls #14, these are both regular users for me. Subjectively speaking, I'm not sure it made much difference, the type-19 was not really prone to chatter anyway, and the MF #14 still chatters with a thick shaving (admittedly the chatter could be caused by some other problem).
I'm also pretty sure you can't actually get the frog face perfectly flat this way. The way some of these frogs were milled, you can certainly achieve a flatter surface, but I don't think you can get the whole frog face in a perfect plane.
So what's the consensus? Is it worth it to lap your frogs without removing the adjustment hardware and just work around it? Or are you better off going through the extra step of punching out the pins for the lateral adjuster and depth adjuster?
As an aside, I really don't get all the negative talk about the type-19 as users, mine is solid, precise, has a very fine mouth, and is actually less likely to chatter than my MF planes. Maybe I got lucky?