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M&Pc here with one in the chamber, no safety, stock (for now) 6.5lb trigger.

How heavy of a trigger pull is The_Busy_Mom's trigger pull with the hammer back? If its a decent weight then i dont see how it would be any more risky than a striker fired handgun of a decent weight, or any firearm hammer down with a similar pull weight. If it was a significantly lighter pull weight then i would have to put more thought into carrying it safety off hammer back.

I have a Beretta 92 that i don't carry concealed, but if i did it would be one in the chamber, safety off, hammer down. The trigger on that one in SA is so light that i wouldn't even dare to carry it hammer back. But i would have no problem carrying hammer down. Any DA/SA i would carry would be safety off hammer down unless the SA has a decent trigger pull to it. Same with any revolvers.

Still the key is to always keep your bugger hook of the bang switch