IMHO the problem is the money hungry lawyers. If the owner’s manual states not to carry said gun with a round under the hammer. Well there you go.
PS, I have a friend we call Lucky Dave Cox that has been shot twice by handguns that have failed when they were dropped. One was a S&W and the other was a Ruger. His right leg is gone below the knee and he wears a prosthetic. FWIW… (Ps, the other shot was in the neck and he was really lucky. It was just a scratch.)
I am not trying to debate; I have known you too long to think I can change your mind. I am just saying “stuff happens.”
Duane