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That goes for having a handgun without a round already chambered and on safety - do you want to make all this noise in that moment of chambering a round?
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Why would you have a handgun on safety in there's no round in the chamber? My thought for a HD handgun is a DA revolver with a fully loader cylinder. Just pull the trigger. It's unlikely to have an accidental hammer fall. The same can be said for a fully loaded DA semi-auto that's been decocked. Of course, this isn't a great idea if you have curious children in the house. Good HD planning isn't universal, you have to consider your specific environment.