No, there are still only 2 locking lugs on a '98, same as on anything from '93 forward. I can't recall if the '91s had 2 lugs or not. The difference is the 98's have a non bearing "safety lug" and different gas handling. And if we want to count lugs, the pre-98's have 3 and the 98's and after 4 since some folks count the bolt handle root, but only the bolt lugs are intended to bear pressure. As far as "lower PSI capability", ehhhhhhh! Consider the '95, '96 and '98 were all made concurrently in the same factories, some sources say along with '91's and '93's. Do we really think they used different material for the actions? I don't. Yes, to a degree a 98 might have more ability to stand an overload, but none of them were made to be abused. I personally don't think any of them are "safer" with oveloads than any other. Ackley and others have done the "test to destruction" stuff. The info is out there. I think the tale of 98's being massively "safer" than earlier models is right there with low numbered Springfields and Ross's killing multitudes of people. I've yet to see any documented proof anyone actually had a bolt fly through their head!
Cock on closing is a Ginger or Mary Ann or "who cares?" thing. For some it's preferred, for others hated and for a lot of us, who cares as long as it goes bang?!
Been through this discussion a buncha times before. The pre-98's have a couple of points going for them but the 98's and after are generally a bit more desirable. For most of us I doubt any of it matters much if the rifle is in decent shape. I'm happy with all of them, the more the merrier!!!