Bah! My safety is my trigger finger, when I don't want the gun to fire I just don't touch the trigger.
Believe it or not most guns don't go off unless you pull the trigger
Although I should point out that there are some guns I wouldn't exactly trust.
How I carry depends on the gun....
When I carry my 1911 I carry it with the chamber loaded, hammer back and the safety off. I'm quite comfortable relying on the backstrap safety and keeping my finger off the trigger until I decide to shoot.
With my M&P .40 I carry it chambered and ready to shoot, the safety is the trigger like on a Glock so I'm fine with that.
When I carry my little Russian Makarov I carry with the chamber loaded, the hammer down and the safety off.
Now to better answer your question, if I were to carry my USP Tactical as a ccw I would carry it the way you do, chamber loaded safety off. The same way I carry my Makarov or any other DA gun.
IMO there carrying a gun for protection that isn't ready to fire in a moments notice is a bad habit. A manual safety can seem like a tiny thing, but in a high stress situation it can be the one little thing you forget about that ends up coasting you precious seconds and your life.
You're doing the right thing forget that safety switch unless you're on the range.
Oh and welcome to THR!