An old girlfriend used to carry a glock 19 loose in her purse with one in the pipe.
This is where a little common sense comes in.
Carry any of them in something that has other objects in there with it, and youre just asking for trouble. Carry it alone, without anything else, and things are likely to be totally different.
No matter what, Murphy is always around, even when you use a holster, and holsters arent a guarantee the gun wont go off with use.