OP: It will take time to become comfortable (never get TOO comfortable). Once you understand how the pistol works, whether it's a the Ruger or Glock, and you see that it's nearly impossible for it to fire without the trigger being pulled, you'll find comfort in carrying with a chambered round. Any good quality holster with cover the trigger, rending the trigger inaccessible, so you have no worries. Personally, I think safeties only get in the way. I want nothing to do with manual safeties on a carry pistol.