Get a Beretta 92FS, Beretta PX4, or Stoeger Cougar. All have the safety/decocker that when engaged decockes the gun and disables the trigger. You can then just insert a loaded magazine. A child or you would then have to rack the slide, switch off the safety and then have a long dual action trigger pull. About as safe as you can get short of having a padlock on the gun.
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