the only difference between installing the GM and installing final release is that GM you manually point to the file, thats no harder than opening a file in excel or whatever. i've known people that have managed to brick their iPhone doing a normal official update.
i've updated to GM every time, no issues personally.
the only reason it's not available to the public is cos they wanna give dev's a week to test their apps and get the updates ready to come out in the app store once 4.2 is officially released and to make sure there's no major bugs. manually installing an ipsw is not a reason why it's not public, thats just misinformation.....