If your XD is loose in the console of the car, then you need to get a proper holster. No handgun should be carried loose in a container with other items, or similarly loose on your body. When you have your XD in a fitted holster that covers the trigger, it is considered inert until you draw it, and it can be safely fully loaded in the holster.
Having the handgun in a proper holster rather than banging around loose is far more important than how many mechanical safeties it has.

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Science plus Art