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Actually, I would be ok with a SAO for home defense - I have a kid (she's well schooled on gun etiquette and safety), so I'd keep the safety on and the hammer down, but have a round in the chamber.
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Not always an option. 1911s don't allow you to engage the safety unless the hammer is cocked. And SA guns aren't designed for you to lower the hammer manually on a chambered round....that (to me) is an accident waiting to happen.