Just catching up on my reading and felt that I must post on this thread.
When a memory is used for receive only on a fully capable transceiver such as this, either a transmit inhibit (by removing the frequency in the transmit column by software as already mentioned) or manually creating a suitable offset (or split) so that if the PTT is activated by accident, you are only transmitting where you are authorized.
This technique has saved my six many times because I often monitor public service (police, fire, ambulance, coast guard, railroad, etc.) and you NEVER want to transmit in those areas unless you are authorized.
The same technique is used for my 'E' class gear (FT-1807E and FT-8800E) as well to protect me against causing serious interference because rigs are much higher power.
Cheers.