I just carry "cocked and unlocked"
I just carry my single action (trigger not as sensitive as 1911's, but they're still claimed to be single action by the manufacturer because of the technical definition) Springfield Armory XD-9 cocked, and of course it's unlocked because there's no manual safety (don't worry it has passive safeties like a handgrip, special thing in the middle of the trigger, drop safety). My only manual safety that I use is my holster, which keeps unwanted fingers from going inside. It's easy to deactivate this manual safety, just pull it out of the holster. If I am somewhere in my home that I don't want to wear a belt, I just have the gun inside the holster, "cocked and unlocked", sitting next to me. I usually only do that in my bedroom, since I live in off-campus student housing apartments with room mates, and I don't want them to panic if they see a handgun (of course I live in Utah so I can carry up to campus). I feel safer with it chambered and cocked, and with no manual safety on it, because I want to shave off reaction time if I ever do have to use it. I don't fear a negligent discharge, because I follow the safety rules of not letting my finger go in the trigger, pointing it in a safe direction, etc.