I have a chance to get a Ruger P95 9mm for a good price. I have no experience with Ruger. This is a 15+1 9mm that I am considering for my wife as a "when I am not home gun". It is either this or a Sigma 9VE that I can get at the same price. My Sigma 40VE has been 100% reliable. If I get the Ruger is it ok to leave the safety off with one in the chamber? This would not be a carry pistol but a home defense handgun. The .40 is too much for my wife and I think that the 9mm loads available today have overcome some of the past offering's track records. Thank you for your input. It is appreciated.