Like Lloyd, I too find nothing unsafe about a gun with the firing pin on the hammer. I, also, got into the habbit years ago of only loading 5 in my Colt stile guns and still do the same most of the time.
Being dumb can and will get you hurt. Earler this week, I was adjusting the governer on my old C model Farmall tractor. Now, anyone that's ever done this knows the FAN is only a couple inches from the adjustment bolt, and that you adjust it with the motor OFF, and keep readjusting it and trying it till you get it right. However, if you adjust it with the motor running, very carefuly, you can get it right in one try.
I got most of the pieces of the finger back in place and taped in, it's healing up nicely now and in a week or so will be back to normal. I finished the adjustments with the motor off!!!
I mention this only to point out that everyone of us probibly has taken shortcuts in things, done things we know could have been done in a safer manor, and it's not the design of the tools that get us, it's the monentary mind fart that get's us hurt.
As to carying only 5 in a Colt, that's comon safety. Can't go off if the hammer is hit or droped. Once, years ago, I was a police officer in a small southwest town. I had been out plinking with a 45 SAA and was on the way home when I was stoped by another officer and requested to be his "Backup" in a situation that had just come up. The only gun I had with me was the SA and just before going into harms way, I loaded the 6th hole and put the hammer down between the rims. I learned this from an older shooter that had learned it from an even older shooter, and it worked that time. I don't think I would cary a SA loaded that way all the time, but it is an alternitive is you think you might need the extra soon, just remove the 6th one after the situation is back to normal.
Greeenriver