The add on safety on my Romanian is certainly not a carry safety for cocked and locked, but it does prove to be useful at the range...It does lock the trigger.
For me, the proper carry mode in normal civilian carry for the Tok is chamber empty, hammer cocked. This makes it quite easy to pull the slide. The Tok at half cock locks the trigger and slide. Pulling the slide to load the first round when the hammer is all the way down requires a hard rapid yank to avoid stopping at half cock and locking it up.
In more threatening circumstances, I would have no problem carrying chamber loaded, hammer at half cock, thumbing it at draw.
ASH, please describe the models of Tokarev you have owned, and what you consider to be crude about them.