My interest in sa/da pistols as a modern american civilian requires a decocker. Those without were not designed for peacetime armed civilians. The most danger I am most likely to be in is a freak accident, so that hammer slip accident is suddenly a *relatively* a bigger danger compared to the other dangers I am prepared for.
To understand a design that doesn't have a decocker, you would have to understand how the Czech and Russian military trained with these weapons back in the day. That's something I don't know. How did they carry these pistols? Did they carry without one in the chamber? If not, then decocking a loaded gun is not something that happened as much outside of the firing range or a combat zone. People were used to decocking revolvers occasionally, and if it was considered something that happened infrequently, maybe it wasn't a big of a deal.
As to whether Russians carried with one in the chamber or not, we can look at how American Soldiers carried the 1911? I think you have to consider that because that would be the type of handgun the perceived adversaries of the cz-75 would have (us!). That I don't know either. Random googling says that they carried it without one in the chamber unless its needed use was imminent. As I understand it, handguns aren't used that often in a war zone, most deaths are a result of artillery or rifles.
I can't attest if this is accurate, maybe someone else can:
https://www.answers.com/Q/What_did_the_marine_soldiers_do_during_World_War_2
What condition or conditions of gun readiness were Soldiers and Marines taught to carry their 1911s in during World War 1 World War 2 Korea and Vietnam?
For today's year 2011 you'll most not likely get any "first hand" accounts from WWI, WWII, and Korean vets as they are all either passed on or over the age of 80 (or close to it)...and those men over 80 probably don't remember with any accuracy. US Army Viet War vets in 1969 were taught "...men this weapon (said while the instructor was holding up the .45) has killed or injured more US military men than any other weapon in the US military inventory (because it was the oldest US weapon still in the system (Army, Marines, Navy, Air Force, and Coast Guard) 1911-1969), it is so dangerous that it has 3 safeties, and unless you are a Military Policeman, involved in direct combat, or otherwise ordered/SOP, if issued this weapon you will carry this sidearm with the magazine in the magazine well but not chambered. When you need to use the sidearm, you will charge the weapon (which will chamber the round)." In South Vietnam most GIs never chambered a round (until needed). And more than once there were found to be chambered rounds, when the men thought the .45 was empty (not chambered). The only line GIs issued the weapon were Patton/Sheridan/ACAV/and some M60 machinegun/recoilless rifle crewmen/mortarmen/artillerymen. Discounting the aviators. Upon returning home civilians introduced to some of the veterans the "term" cocked and locked, which shocked the vast majority of combat veterans. Most GIs in combat preferred rifles over the .45 and considered it "worthless" (GI quote from the war, "if the enemies that close (to where I have use a pistol) then I'll throw it at em!"). When fighting got close and personal, inside the M48 Patton tanks (all crewmen were issued .45s) the driver cocked (chambered) his .45 and let the hammer ease down then drove the tank with one hand with the pistol in the other (the Patton had a steering wheel), sometimes putting the .45 on his lap when he had to use two hands.