My o my, 'cause you ask opinions. Here it is, based on my experience, training, and having been required to train many not so safe individuals.
In my not so humble opinion - It is foolish to carry any handgun without at least the trigger being covered. Under the stress of a life threatening event, stuff happens. Mr Murphy is watching and will "fix" your well thought out plans. It can put you in the hospital or worse.
This is a point that I will not argue about, "do as you please, 'cause you will any way"
STAY SAFE :thumbsu: