I have carried hammer fired DA/SA or DAO with exposed hammer Taurus and S&W revolvers, 1911 variants, CZ 75 variants, and HKs for years IWB and OWB both in leather or kydex open top hosters respectively for years. I personally never had an issue with the hammers putting holes in my clothes, poking me, or disturbing my draw.
I also almost never hear the pothera of 1911 carriers, carriers of all the other cocked and locked platforms, OR those who simply carry an exposed hammer handgun complain or make a huge issue about the hammers of these guns getting caught on clothing when drawing.
Interestingly enough, I only hear about all these issues being a problem almost exclusively when it comes to revolvers when discussing enclosed, bobbed, or exposed hammers, and almost never when discussing the exposed hammers on all the other popular and loved platforms.
I agree that it maybe a holster issue. My holsters usually have a sweet guard. Maybe that's it. I don't know. Not saying anyone experiences didn't happen and aren't real issues, but I am just surprised to hear so many who have issues or negative experiences with exposed hammer revolvers especially when most do not have issues with exposed hammers on other platforms.
The only negative I can personally see is with pocket carry. If and when carrying by other methods, I can only see having a hammer as giving an extra option. No one can deny that single action aids in accuracy. You have the option there if opportunity presents itself, and you do not have to use it if you don't have the opportunity.
The problems with sharp-edged/cornered hammer spurs in pistols were becoming addressed by various gun makers throughout the 80's and into the 90's. This was also helped along as better manufacturing (MIM) and machining capabilities were coming online.
There was a time when revolver hammer spurs could end up being sharp enough to draw blood, in both the edges and the checkering. Made it easier to thumb cock a hammer into SA if fingers were sweaty. They could play hell on clothing and skin, though. (In S&W, the earlier machined hammers required 7 different machines on the production line to make the hammers. Trivia told to us in a factory revolver armorer class.
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Then, there was also the way that some revolver hammers were narrower than others. Remember when Wide Target Hammers, with the wide spur, were a popular option on some revolvers?
Investment casting (Ruger) and MIM could produce some softer edged and less 'aggressive' checkering on revolver hammer spurs, too.
Flap holsters, leather thumb straps that fully covered the hammer, and IWB holsters that incorporated raised sweat shields (against the body), could all help mitigate contact between hammer spurs, skin and clothing. (Ditto for holster designs for pistols, of course.)
It was often the open-top, low-rise holster designs that allowed easy contact between the hammer spur and clothing, since there was nothing covering the hammer spurs.
Here's an example of an early 80's S&W M36 with a standard hammer spur. The checkering is clean, sharp and easily grasped. When I carried it in an IWB holster, sans the thumb safety (which I cut off as a young cop), that hammer spur became quite pokey, and it could eat cloth over time. However, note the old style leather paddle holster, which incorporates the thumb snap strap that covers the hammer. I never feel the hammer spur.
A S&W M65 in leather holster with leather thumb break covering the spur.
Now, this older BT paddle holster is an open-top design, and you can see the way the sights and R/side ambi manual safety lever are uncovered. Now, this particular .45, an early production 4513TSW, has much smoother sights than several years earlier, and the manual safety levers on both sides a bit smoother than in previous years.
The rear sight is still exposed, but the low mount Novak style sight bases are softer edged, and usually don't rub up against the cloth linings since the leading edge of the leather holster, next to the rear sight, can help keep the cloth a bit away from the sight.
The designs of both hammer spurs and rear sight bases have a come quite a ways. Reduced drag, smoother edged designs have become popular over the years.
Granted, the original shrouded S&W Bodyguard, bobbed hammer spurs and the Centennial style snubs are more 'pocket holster friendly' than the standard hammer spurs when it comes to a hurried draw and presentation from many front pants pockets (especially tight mouths of jeans or the soft cloth of dress slacks).
Options. Options in both gun and holster designs. Not a bad thing.