Modern revolvers are equipped with safety features that will prevent the gun from firing, even if the hammer is struck with a mallet.
Also, what are the chances that a pistol with the hammer back and a round in the chambe will fire if the pistol is dropped
Someone with more experience with 1911 style pistols will have to answer that.
If you have a semi that is no double-action, then would you carry with a round in the chamber, hammer back and safety on?
Yep, that would be the way to carry.
Finally, it seems to me that a citizen with a CCW would not need to be quite as 'ready to go' so would probably not carry with a round in the chamber, thereby requiring the slide to be racked once before it's party time. Is this a valid point, or would you still advise a CCW holder to carry hot as the police do?
Why would a citizen have more time to spare before having to bring the weapon to bear. There are less chances a citizen would NEED a firearm in the course of a day, but once needed it is usually needed immediately.
A BG will not give warning before making an assault against you.
CCW holders are advised to carry revolvers with all chambers loaded, and not to modify the weapon to defeat any internal safety.
Semi-autos that are double-action first shot are advised to carry with a round in the chamber, hammer down, and safety on, if equipped. The safety is more a matter of choice.
1911 styles are advised to carry a round in the chamber, hammer back and safety on. (I do not care for this method, and will not carry a 1911 style for CCW or CHL purposes)
Striker Fired (ie GLocks) are advised to carry with a round in the chamber.
"Speed is fine, but accuracy is final" --Bill Jordan
Remember those who died, remember those who killed them.