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I carry a XDS and it is chambered, holstered and ready to go. There is no way I'm giving a BG any sort of an advantage because the BG isn't affording me any.

I recently got my wife a M&P Shield for her CC and I told her I want her to wear it chambered with the safety off. She protested greatly with this and we went through the exercise similar to what was described here. We put an empty gun in the holster with the safety on and I told her to try and "shoot" me before I got to her. With almost every attempt I was able to grab her and in most cases, the gun, before she could disengage the safety and get into a position to fire.

In a life and death situation you have less than 2 seconds to react and respond. Why add extra steps like racking and disengaging safeties? If you have a good holster that covers the trigger completely and allows you to draw fast there shouldn't be an issue with an accidental fire.