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What do you guys do in a situation like this?
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If you're going to follow that rule that strictly, there's no possible way to carry a firearm without muzzle sweeping something you don't want shot... usually it will be your leg, sometimes it will be other people (depending on angles), sometimes the car dashboard, etc.
IMO, if you're worried about the hammer slipping off the sear and igniting a round, you'll need to either put that fear to rest through studying the design or you'll need to find a different gun to carry.