who said you can't run simulator with all security option turned on like the actual device?
you can and it's called secure mode, you just have to edit simulator xxxx.bat
in C:\Program Files\Research In Motion\BlackBerry JDE 4.2.1\simulator
(maybe different from your installation directory)
and add /secure
example, i modified 8800.bat
fledge.exe /app=Jvm.dll /handheld=8800 /session=8800 /app-param=DisableRegistration /app-param=JvmAlxConfigFile:8800.xml /data-port=0x4d44 /data-port=0x4d4e /pin=0x2100000A /secure
if you have JDE that would be easier since you can turned on security option on device simulator preference