I'll be honest here, I felt the same way as you when packing my P2000 with no external manual safety switch like on a 1911 or BHP, with one in the pipe, but I slowly progressed to it. My reasoning is if there is not one ready to go, that means it will delay the firing of the weapon, and with that means, less time for you and more for the bad guy(s). In certain situations, there are only single digit seconds for reaction and action. Anymore, and there may not be a next time to contemplate about it.
With that said, I did this,
1. carry, no round in pipe, loaded mag,
2. then put a snap cap in the chamber, loaded mag, then finally,
3. one hot round in the chamber with loaded mag.
Also, have an extra mag with you at all times, or another handgun. You have to be confident with it, take it at your own pace and don't let the talk pressure you otherwise. Its better to have a gun then nothing at all.
The main thing with carrying handguns imo, is having a good solid holster that will cover the trigger area. This will aid in the prevention of negligent discharges. Also, re-holstering with attention and practice, making damn sure nothing(like shirt, thumb break,finger,etc.) are in the way. I cannot think of a situation where there is a need to quickly re-holster you weapon, so take your time.
Taurus is bringing out a new slim 9mm single stack pocket pistol very soon with an external manual safety. Looks interesting.
If you want minimalist, Raven Concealment makes a kydex piece that only covers the trigger area. Its a simple and genius design.