This post above is why you should take most of what you read on GJ with a grain of salt. People give their opinions regularly, and can tell you why you shouldn't purchase an item, but have never used the the item in question, I have both. Several things:
1) The HF unit does indeed have an internal safety clutch (it's in the manual). Bear in mind, the HF is damn near an exact copy of higher end unit(s), right down to the internals!
2) The capacity of the chuck has nothing to do with the joules put out by the unit. Check the specs on some of the higher end SDS+ units. You can literally have too much capability if you're not careful.
1) I must admit that I have not used the model 69274. Looking at its manual, it does claim to have a safety clutch (and independently tested by ETL at that). I stand corrected. I know for a fact that the predecessor model from HF did not.
2) ALL SDS+ drills have the same chuck capacity, because SDS+ is simply the type of chuck included. All SDS+ drill bits have the same shank, because of the need to fit an SDS+ chuck.
SDS DRILL (not chuck) "capacity" (measured in diameter) is directly related to impact energy (measured in joules), simply because too little impact energy on a large drill bit will not have enough energy spread over the cutting area for the bit to advance.
That being said, I have used both 1 1/8" rated drills (I own three Bosch 11236VS drills), and several 7/8" rated drills (Makita cordless and Bosch Bulldog). The 1 1/8" drills are much faster when drilling 3/4" holes, but have a higher tendency to blow out chunks out the back side (not an issue on blind holes), and I have a hard time with them with the 5/32" bits for tapcons (but for 1/4" and up holes, they're just fine).
3) Yes, you do need to be careful with used rotary hammers. Though I've gotten several like-new ones not yet even broken in. On that note, breaking in a grease packed rotary hammer can take several hours of drilling, and the heat can emit foul smoke... But once you've got it all loosey goosey inside, you'll notice a significant increase in energy.