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Good holster = nothing to worry about.
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Not always. A good holster is a necessity, yes, but shirt tails can still get in a holster when you aren't looking.
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Now obviously your main safety is between your ears, and I know where my fingers are, but I'm a little bit worried about discharges that could happen while my finger is not on the trigger of the gun I'm carrying.
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Fixed that for you.
Now, that safety between your ears does not just control your trigger finger. Use it to visually check your holster before you reholster. There are *very* few instances in which you will not be able to look at your holster as you are reholstering your pistol.
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Does the little trigger thingy do anything to help prevent that kind of thing? or is there a part of the safety system I'm not taking into account?
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No, and no. The only safety that can prevent this from happening is your brain and not getting caught in la-la land.