A loaded gun with a safety enabled is 1000x less retarded than an empty gun. At least most of the time that can be operated with one hand!
I rarely bother saying anything anymore but I usually tell people "if you're going to carry an empty gun pick something else that you would be more confident loaded with". A 5 shot j frame with a 10 pound trigger is less of a liability than an empty gun is.
I got called a 'cuck' plenty by fellow gun enthusiasts for choosing to carry a HK P30S loaded but with the safety on. They're like why bro? Your double action first trigger is your safety. Wait till they hear about my fashion man purse I like to carry it in sometimes. People ought to stop worrying how others carry. Why care? Y'all live longer lol.