A 1911 is pretty much the same as any other combat gun that has a hammer and no firing pin block when it comes to this discussion. It can be safely carried with the chamber loaded hammer down or cocked and locked. Just like a BHP or older CZ type or PPK. More modern guns are slightly more drop safe, but not really in an important way for safety - since muzzle drop firing is about the safest ND you can ask for.
The 1911 is a great gun - it has the shooting qualities, control placement and trigger to make it very effective. It is no surprise that SWAT teams like it.
However, it is a huge, heavy weapon with primitive safeties. While it seems like blasphemy to say so, it is overkill for EDC by someone who has so little likelihood of ever needing a gun. It takes some real creativity to imagine a scenerio where a plumber or office worker would require the superior first shot and longer range rapid fire capabilities of something like a 1911 when something smaller, safer, (in this case) cheaper would be less likely to cause an ND.
In this case, a smallish plastic DA pistol with a pin block would probably have not needed to be unholstered, if it were unholstered could have been wedged somewhere more secure than on top of a toilet tank, and if it had dropped off the tank, WOULD NOT HAVE FIRED.
So a 1911 is a great pistol for lots of tasks, but the OP's 1911 is a big, heavy, primitive, expensive gun that was a factor in him engaging in behavior that was unsafe. And he's unlikely to ever get anything for that tradeoff, aside from being fired. An ugly little polymer .45 would have prevented the accident and the behavior leading to the accident, and still been more gun than most of us could ever possibly need at our fruit stand job.
