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The three carry guns I carry the most are a Glock 43x, 1911, and Beretta M9. For the M9, I carry it hammer down, no safety (It's decocker only). When holstering, I put my thumb over the hammer. If it can't go back, it won't fire. I feel very confident when holstering. With the 1911, I understand the mechanics behind it. I will always holster it with the back of my thumb pushing up on the safety. There's no way for the hammer to fall as long as the safety is blocking the travel of the internals. I also feel very confident when holstering that. As for the Glock... I always worry. Any unseen obstruction in the trigger guard could make the gun go off. For that, I feel 1000x better holstering it before I put the holster on my body.

For the cocked and not locked 1911, I would never do that. The 1911 trigger is touchy, and it doesn't take much to push the grip safety in. Also, the grip safety only stops the travel of the trigger. It doesn't stop the travel of the seer/hammer. Only the thumb safety does that. Lastly, the thumb safety is exactly where I put my thumb when firing, so it'll be hard for me to forget to disengage the safety.