re: CCW......cocked and locked. Is it safe?

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I'm of the opinion not to have it cocked and loaded. Maybe the army got to me with being terrified of breaking the rules of engagement but I don't feel threatened enough for that. If I'm rolling through the hood then that's different. I feel conifedent in recognizing a threat though.

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You're fixated on the wrong point here.

The issue isn't whether or not you'll have TIME to disengage the safety or rack the slide.

The issue is whether or not you will have both hands available to get the gun into a firing condition.

If you ever have to draw your gun, you will be so dumped with adrenaline that everything will be automatic. The time a semi automatic pistol will malfunction more than any (statistically speaking) is when you are manually loading that first round. Why add extra complexity to your draw? If you don't train with a complex system in place, it isn't a question of whether or not you will remember to get your gun in a firing condition. You WILL forget.

There are no rules of engagement for concealed carry so you might as well stack the deck in your favor.