I was in the FBI gun cleaning room at the FBI Academy in Quantico. VA. At there time, there was a large bullet hole in the cinderblock wall where a student discharged a chambered round after removing the magazine. Fortunately, no one was injured. The gun was a Glock.
Many of us here are older and we've been 'round the world a few times. We're no longer LEOs and we don't go looking for trouble. 99.9999% of us will eventually expire from natural causes, but what about that gun in your nightstand that a family member may have to render safe? I've taught the most gun savvy of my three sons how to properly clear an autoloader but what if he forgets the sequence upon the reality of just having lost his father?
My personal preference is to not have a magazine disconnect. I've used a Brother label maker to make a label saying "fires w/o mag." which I've affixed to the magazines of my two main carry, and HD guns. It's my way of not leaving a booby trap for my family.
After 30 years in law enforcement, firearms instruction, etc, I see the mag. disconnect as a safety feature in administrative gun handling rather than as a tactical safety feature. I first viewed the mag. disconnect with disfavor because of how it significantly and adversely affected the trigger pull on my Browning HP.