These are the only times that the decocker/safety gets engaged on my 92FS:
1. When loading a fresh magazine, and racking the slide to leave the firearm loaded and ready in double-action mode, I have the safety on, so when the slide goes into battery, the hammer is down. I then flip the safety off and LEAVE IT OFF.
2. In the middle of a magazine, when I take a break to practice double-action, I use the decocker and flip it back off and LEAVE IT OFF.
That's it. The firearm never sits idle with the safety on. 99% of the time, it sits bedside in a strapped holster, with loaded magazine inserted, round in the chamber, hammer down, safety off.
I've never once "accidentally" engaged the safety during racking, most likely because my method is to turn the firearm on it's left side with my strong hand (right hand), then place left thumb on right side of the slide, left index finger curled back on left side of the slide, grip at the slide serrations in front of the safety, and rack it. The "over-the-top" method that seems to be popular now could possibly induce an accidental engagement of the safety, but that method doesn't work as well for me anyway, so I never use it.