*shrug* when i first started carrying, having it loaded/condition 0 felt weird for awhile. I got over it. My CCW choices don't feature a safety so it's either loaded or not. Ruger LCP, LC9S pro, and M&P 40 (woo new holster!).
My car gun is loaded but safety on (condition 1). Bersa 380 thunder, so SA/DA just have to thumb the safety off. It's just a backup in case I forget my CCW or am going somewhere restricted.