I was taught, and it has never failed me, not even come close, that if I need to decock my Colt Defender, which I do, when I want to load up a full mag plus chambered round for 8 shots, is to take my non-shooting hand, using thumb and next-index finger, and "squeeze" and hold, both sides of the hammer, and pull the trigger, letting hammer down very lightly, slowly, with gun pointing down range.
So you too carry hammer down on a loaded chamber? You need to re-read the posts. It is not safe on a 1911 and if you drop the weapon (unless you have a Series 80 or similar), it will go off. Also, if the hammer accidentally slips while decocking, it will go off.