Two 1911 type I would recommend-
Most Retention type holsters require an additional effort in the last bit of travel to seat the pistol properly. At this point I 'pinch' the hammer and the top of the grip safety with thumb and forefinger (Thumb on hammer holding back, keeping it from falling, forefinger holding the grip safety in the 'Safe' position) to seat the pistol that last bit.
As the thumb safety is against the body, it is possible (especially with extended/enlarged safeties) for it to disengage when you are moving around a lot. I check it when it occurs to me, by placing my forefinger under the hammer (blocking it from falling) while swiping the safety off/on with my thumb.
With the exception of bathroom rules (more about that in a second), if I remove a pistol from my holster, I clear it.
I never hand it to someone without the slide locked back.
I never hand it to an idiot- in a perfect world, those coworkers/acquaintances that are idiots, don't even know I am carrying. Actually, in perfect world, there wouldn't be any idiots.
I have a lock box in my car, and I use it when I don't feel a pistol is safe in a particular place, or prohibited by law (like a bar), and I have a satchel ( man-bag, murse, whateva) for places like the beach, where I can't carry concealed on body, but might not want to leave it in the car.
When using the head, I remove the pistol from the holster and if there is no ledge to place it on, I simply let it rest in the hammock of my dropped trousers- in this (hopefully) well controlled environment, for this short time, I do not clear it. Likewise, if I am just unholstering to change pants, I do not clear.
I try to rotate my carry ammo every range trip (every week or two, usually) firing at least my 'in pistol' mag, and I occasionally check for 'set back' by simply standing up my ammo on a flat surface, and sighting across the tops with a straight edge. rounds that show 'short' get put in the bottom of the mag, and I have found that if I stick to better quality ammo, while I do sometimes see a shorter round, it is never so bad that I am concerned about it's fitness.
edited to add:
I also talk myself through clearing a pistol
<drop mag> "mag- check"
<rack slide> "slide-check"
<inspect chamber> "clear- check"
<close slide, lower hammer> "hammer- check"
On the overnight, it sits beside in condition three ( mag inserted, chamber empty ) hammer down. I never lower the hammer on a loaded chamber, so my visual indicator is Hammer down= Empty Chamber, Hammer Back= loaded.