The firearm magically going off is not a concern to most people, IMO. I think it mostly comes from a subconscious fear of the possibility of an attacker trying to gain control of the firearm. I think you should carry it as you feel comfortable. You should seek sufficient firearms training to make you fully comfortable knowing it won't fire on its own and to build your confidence with the weapon. You should also seek sufficient force on force training to know how to engage a potential attacker trying to strip you of your weapon. In the civilian world, no firearm or firearm training is adequate replacement for hand to hand skills. One should know at least enough to get to a point of being able to use the weapon. This training will provide a greater confidence in carrying with one hot.