First, I believe you need to choose the correct firearm for conceal carry. The handgun should have an internal firing pin block safety to prevent AD. Consider Glock or handguns that are DA/SA.
Second, choose the correct holster for conceal carry. This will require some trial-and-error. Any holsters that I choose (open or conceal) will completely cover the trigger area. I do not want to have an AD due to something or someone being able to pull on the trigger.
Third, carry condition zero. Regrettably, I saw a perfect example of why you should have the firearm in condition zero when watching TV. The show was hidden security camera of a jewelry store owner in Florida. The store owner had been robbed before and the store owner decided to get a conceal carry holster and firearm.
The store was empty when the man entered the store. The store owner became suspicious and when the bad guy turned his back to the store owner, then the BG reached into the front of his pants to pull his gun, the store owner got the drop on the BG having already pulled his firearm from the rear holster.
Unfortunately in the video, you can see the store owner point the firearm at the BG and then struggling. Sort of like dry firing the gun. The BG had turned around and saw the store owner had the drop on him but the store owner was not firing. The BG shot the store owner few to several times (I cannot remember exactly).
As the store owner lay on the floor, the BG put his gun up to the store owners head to shoot him dead and the BG gun went click. The BG was out of bullets. So the BG stole the Rolex watch off the store owner’s wrist and left the store.
A person walking past the store heard the shots and reported it to police. The store owner nearly died from his gunshot wounds.
After the store owner recovered from his ordeal, it was discovered why his firearm was not shooting and why he was having problems. In the heat of the moment, the store owner forgot to disengage the gun’s safety.
Of course, there are other scenarios that would benefit from having your firearm in condition zero in order to get ahead of the reaction curve.
When SHTF, your shooting capability will reduce to your level of training. In other words, if you are used to shooting at the gun range with the safety off, then when SHTF, you have conditioned yourself to not disengage the safety.
Regards threeshot