It is a training issue first. But accidents can happen, as you say, to any of us.
I've done my risk assessment. I prefer the additional tactile safety measure. I would not carry AIWB without a hammer (or something similar) and I, personally, don't understand why anyone would. But that's me. Some very sharp people do carry without that particular protection. Some very smart people don't understand why I would risk carrying AIWB in the first place.
I combine all the safety measures that OragamiAK mentioned in post #40 with riding the hammer during reholster. That's my comfort level.
It sounds like you've made a risk assessment, and that's what really matters, so rock on with your bad ol' self. You'll get no hate from me.
Cheers,
David