Question: it's standard practice to treat every gun as if it were loaded, to never point it at anything you aren't prepared to destroy.
All of my guns are loaded. With the proper holster the gun is totally safe. Think about it, if you CCW your gun is pointed all over randomly, depending on your carry mode and what you are doing. AIWB is very comfortable, secure and concealable with the right gear. It also offers a quicker draw if needed. Like anything else it takes competence and practice.