You should be able to holster without covering yourself. This generally involves sticking your hip out a bit so that you can cant the gun away from your body while holstering. It may look a bit silly, but if you did somehow manage to hit the bang switch while doing it, the bullet would hit the floor and not your butt, thigh, knee, calf, or any other piece of tender flesh.
Unfortunately, a lot of people do exactly the opposite---they point the muzzle inwards towards the holster mouth, and hence towards their pelvis. This is, to put it mildly, NOT GOOD.
Same for drawing. With a little geometry on your side, you'll draw without ever covering your legs.
Since one of our club's IDPA shooters managed to put a round through his leg while holstering (he was smart enough to do this at a match away from out club), we know regularly see somewhat exaggerated holstering posture around the club. This is not a bad thing.