This follows this prior question, which was answered. I actually discovered I could remove a join from that query, so now the working query is
start_cards =
select('*') seems to fix this in Rails 3.2:
> Contact.select('*').joins(:slugs).where('slugs.slug' => 'the-slug').first.readonly?
=> false
Just to verify, omitting select('*') does produce a readonly record:
> Contact.joins(:slugs).where('slugs.slug' => 'the-slug').first.readonly?
=> true
Can't say I understand the rationale but at least it's a quick and clean workaround.