If you have gotten to the point where you might be looking at the sear disconnect lever, it will not be possible for you to still have a round in the chamber anyhow.
My method is as follows: retract slide so it locks back, remove magazine, flip the slide retention lever to enable slide removal, release slide to its normal location, pull trigger, remove slide.
Notice that after the very first step, it will not be possible for there to still be a round in the chamber.
I just don't see a rational reason for people to fear pulling the trigger on a gun that is obviously empty. Why do we advocate dry fire practice? Isn't that just as dangerous?