WOW!..... My experience varies with the gun. Revolver carry is chambered for 5 or 6 (J or K) . Obviously no safety. But the semi-auto presents problems. Any semi-auto of the 1911 style carried in "cocked and locked" sounds reasonable.... until the SHTF. I've tried drawing from IWB behind the hip and shoulder holster positions and getting the safety off and gun pointed in the correct direction to fire is TOO MUCH TO ASK in a real emergency, particularly with sub-compact guns (small safety in "ON" position). It's not me. I may not be the quickest, but I felt micro-seconds passing as I needed to ensure the safety was off before pointing and pulling the trigger. Easier said than done.

So for me in the IWB, behind the hip, or wherever, I carry a DA/SA de-cocked safety "OFF" semi-auto. I'm no hero. Just an average guy wanting to be safe and prepared.