For many years the Coast Guard required us to carry hammer down on an empty chamber while doing boardings. Chambering a round was considered to be a warning shot - as was chambering a round of 00 buckshot in a shotgun. We practiced drawing, chambering, then firing at the range. I never liked it.
Off-duty, today, I almost exclusively carry some 1911 ranging from a ParaOrd C6.45LDA, Colt New Agent, one of two Colt Combat Commanders, and numerous full-sized Colts, Sig, Taurus, or Rock Islands. Two days ago I bought a S&W 1911PD. Yesterday I went to the range with it; it is now my primary off-duty gun; I will continue to break it in but I see nothing but getting better with this gun.
In my opinion, when carrying cocked and locked I feel very comfortable and safe. In order for my 1911s to shoot the following has to happen (barring any unforseen catastrophic mechanical failures)...I have to draw the gun from its holster, firmly grip it to disengage the grip safety, disengage the slide lock safety, and squeeze the trigger - all while aiming in on the target. That's 5 functions I have to do - the "older" Texas Rangers used to deliberately defeat the grip safety by taking a piece of rawhide, string, or something else (shoe lace) and tying the grip safety down so it was disengaged all the time. I don't recall any of them shooting themselves with their Colt 1911s.
I am responsible for what my gun does; in over 45 years of shooting I have had 2 negligent discharges; both my fault and not due to the material condition of the gun. Being cocked and locked had nothing to do with it; all 4 of the above mentioned steps took place prior to me pulling the trigger. Stay safe out there...