Alot of people carry the mustang cond. 2 because the safety is so small, and it's in a pocket.
If you're going to lower the hammer, do it correctly. Use the off hand, putting the index finger in front of the hammer and the thumb in back. Lower the hammer until the index finger is squeezed out by the slide. At this point the hammer does not have enough energy to detonate the primer. Take you finger off the trigger (to reactivate the pin block), and lower the rest of the way to the firing pin.
If you use that method, you can not accidently discharge the weapon.
Do not carry at half cock. Not only is it so-so for the sear, but if you drop the gun the sear will break, making the weapon unfireable.