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kitty wrote:...... because my carry gun is a S&W M&P .9c, and it has no exterior safety. It is a very nice gun, and I love it. The trigger must be pulled all the way back to fire, but I'm concerned that I may accidentally pull it while unholstering or reholstering.

Your brain is the "exterior safety".

Also, as a famous Texas CHL'er once said, "Keep your bugger hook off of the bang switch."

If you follow proper gun handling (finger not on the trigger or even in the trigger guard unless on target) then holster work shouldn't be an issue.

Practice this at home with an UNLOADED firearm until you are comfortable with it.

The time that it would take to chamber a round may make all the difference in whether you live or die.

Also, if you have a huge adrenaline dump, you may not be able to chamber the round very well.