My personal rules are pretty failsafe, but I don’t carry daily - only for sketchy craigslist deals. When I’m home i keep an unloaded mag in the gun and a loaded mag beside it. If i need it, it’s there. These things don’t run on hopes and dreams, they run on ammo. If there isn’t any ammo it’s just plastic and steel. Might as well be a remote control or a coffee cup. It’s just something i do to always know the gun is never loaded. I have the luxury of that because there are no kids around and the old lady doesn’t touch it. I can be loaded in 3 seconds if the alarm goes off. It’s still much faster than running across the room for the long gun. There are no exceptions and I’m never too busy to drop the mag and clear it when i open the door and walk inside.
For carry, I chose to have a manual safety model and it’s a 1 motion event when I grab the handle my thumb hits the safety if i choose so it’s not slower in any way. That’s thanks to the excellent design of the S&W M&P Shield 2.0 so I have that option. That, added to the hinged safety trigger, I’m pretty confident.
Accidents can happen, should i fail to do my routine and checks that are in place. That’s why I simply eliminate the possibility by keeping the hot mag out when I’m home - zero exceptions.