Carry a Glock 26 every day loaded and chambered, still have all my soft bits in tact.
Like everyone has said, quality holster with the trigger covered and there is no issue. Now when you unholster/reholster that's where problems may come up.
Also with everyone else, if you aren't confident with your own safety, then you need to take some classes, train, go to the range, whatever it takes to build that confidence before you carry.
Realize that in a SD confrontation just seeing your gun holstered may not be enough to make the bad guy run away, you are probably going to need to draw it and hopefully not have to fire, but be ready to do so. If you aren't confident enough with the safeties built into your gun, how do you expect to be confident enough to draw and fire under stress fearing for your life or your loved ones. Not to mention any by stander near by?
Recommendation: Before you buy a gun, go to a range, rent it, shoot it. Or find a friend with that gun, go to the range together and shoot it. After that take a class on firearm safety, then a defensive handgun class, then carry