Many modern guns have no mechanical safety. Among some of the most popular, Glocks, XD's, and Sigs.
While it's good be cautious, I'm a big fan/supporter of training. Train so you can quickly, smoothly, effeciently and safely draw and present your gun without getting on your trigger too soon... like in and out of your holster for instance.
Also, consider the speed and level of violence involved with many up close and personal confrontations that justify the use of deadly force to protect yourself. It's likely going to happen very, very quickly. While you can develop speed and proficiency in sling-shot'ing that first round into the chamber, it takes time no matter how good you get at it.
God help you if you carry WITHOUT one chambered, and when the fan begins to get covered with fecal matter, you find yourself with only one hand to draw and present. Chambering is tough (but not impossible) with only one hand. At the Intermediate or Tactical level, I train shooters from the ground or kneeling position to use the "heel of their boot" to activate their slide with one hand, while fighting defensively with the other. This generally includes muzzle contact shooting as well. (Up close and personal, and with a level of violence that's tough to train for.) If you're not close to the heel of your boot, you're probably going to find yourself in an "awww $#!&!" situation quickly.
I'm in the camp where CC guns are loaded, including "one in the pipe." Home defense guns, that's different usually. IMHO.