When I carried a DAO (first carry pistol) I never engaged the safety, I figured if I needed to shoot I'd forget to disengage it. I later switched to a Browning High Power which I carried with a loaded chamber, cocked, with the safety on. Safety came off after the pistol cleared the holster but had not yet been put on target. Several years ago I started carrying a Glock. I trained a lot with each weapon, and many others, and have always trained to never put my finger on the trigger until I'm ready to shoot.