I've had my pistol eat floor only once, in the restroom. Fortunately, it's a one-person restroom. Unfortunately, it hit hard enough that my co-workers heard it hit across the store!
As I wear a rather heavy belt buckle, I was able to pass the loud CLUNK off as something innocuous, but it taught me to be extremely careful in future! I now typically unholster it and lay it down on the TP dispenser, the sink, or hang it off the coathook (safety engaged
) if I believe it could fall out of the holster.
As for retention straps... I carry IWB tucked, and my "normal" retention is my tucked-in shirt. I've yet to see a tuckable holster with retention strap that is practical for me.