Mine either have no safety(revolver, keltecs) or I leave it off on a DAO pistol.
1911 is cocked & locked.
I too have and carry both revolvers (i.e. Robert 357 is for 357 Mag revolver like my Ruger Security Six) and KelTec's (there is a KelTec PF-9 in my pocket at the moment, and a P3-AT in my gun safe). I feel "fully loaded and ready to fire" is fine with either a DA Revlover (hammer down with transfer bar and flat-faced hammer, like on my Ruger Security Six) or a KelTec (like my PF-9).
There are a bunch of DA Revolvers with pointy firing pins on the hammer that I would worry about in some situations.
While there are some DAO semi-autos that I would not hessitate to carry with the safety off, there are others where it would scare the hell out of me.
A cocked and locked M1911-A1 with a titanium firing pin, doesn't really scare me, nor does a Colt 1911-MK 4 Series 80. But other 1911's have been recorded as producing Accidental Discharges when dropped muzzle first (my KelTec PF-9 has a spring between the firing pin and the breach face).
I will say it again, I don't think one should generalize. It really depends on the specific firearm and what keeps the firing pin from hitting the primer, if something "bad" happens. Ultimately, it is up to the owner of the weapon to understand the basic mechanical function of their firearm.
It is that "knowlege" that establishes what is safe-enough.