MikeStone wrote:So, a SAO is considered "safe" in an IWB holster, round chambered, cocked, with the safety on?
Guess I just have the jitters!

That was why I chose a Sig P250 (DAO). While it has no safety, I felt more comfortable, at least to start, carrying a chambered round. The key for me was to have a setup where, no matter what happened, the trigger was covered. I was most concerned about those times like having to pick our granddaughter up at school and having to disarm.
I bought a Galco OWB holster with a good retention strap. When I have to disarm, the gun goes from the IWB to the Galco. The only exposure is the transfer time between them and I did that at home a bunch before I tried to do it in a car.
I just picked up a Glock 30sf. I don't yet have that outfitted for EDC because I have to get my jitters past the 3lb trigger that it has. I want to work with it around the house unloaded for a bit before I put myself in a position to have disarm with it in a vehicle.