Recognizing your background and also realizing you are not the only one reading the answer:
Any well-designed modern handgun will be drop-safe (not any modern handgun, but any well-designed one). As long as it is carried in a holster that eliminates any likelihood of anything entering the trigger area, I would be comfortable.
If pocket carried, use a well-designed pocket holster, and be very careful about what else goes in that pocket - preferably nothing else. The only exception might be about 4 sheets of copy paper folded into a rectangle to serve as an anti-print panel.
Your concern is completely reasonable, and emphasizes the importance of not getting casual with these pistols.
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