...And what if the BG catches you off guard and snatches your pistol? - or a kid runs up to hug you in the store ? (which has happened - I'm a Sunday school teacher, my kids have friends, etc.) I just feel safer knowing the gun won't off unless racked.
Do you have a decent holster? With a bit of retention and a covered trigger guard, these issues are largely negated. The gun won't go off unless the trigger is pulled.