"Hey buddy, do you carry your peacemaker with rounds in the cylinder? I carry mine empty"
While it is a little off-topic for a discussion about autoloading pistols and "condition of carry", there was a practice of keeping the chamber under the hammer empty (load only 5 in a 6-shooter), to prevent ND's. If you dropped the revolver and it landed on the hammer, it would very likely discharge if the hammer was down on a live round.
On the other hand, it was considered perfectly OK to load 6 if you were going to use the revolver immediately. It was the "carrying it around while riding on a horse" thing that was the problem...
Where the analogy fails is that the SA had no speed penalty for bringing it into action when you loaded 5 instead of 6. You lost capacity, but not speed.
I sometimes wish there was some sort of testing agency that would provide some "truth" as to the effectiveness of semi-auto safeties. That way, shooters wouldn't have to find out about bad designs after field experience developed the data, and spend time searching for it. It would be 1) readily available and 2) correct. However, the last thing we need is another government agency...
Since we're stuck doing this on our own, I suggest trusting designs that have a proven track record of safety, and to be a little suspicious of newer designs. A little research might be warranted, so you don't buy something that turns out to be unsafe.
Then, after you're convinced your selection was a wise one, use the safety and carry it with one chambered!