"I can’t say I didn’t know the crease had been formed in the holster."

Bingo. Operator error. Sorry..I don't believe in "Accidental" discharges. They are always negligent discharges. If you knowingly use an item that has a potential safety issue...and "It" happens..you have only yourself to blame.
If you drive on a bald tire and crash..it's not the fault of the equipment..