My wife and I routinely CCW a Ruger LCP with a KelTec "Pocket Clip" attached. Its a great way to carry a handgun if maximum concealment is the objective.
Regarding ND's....
I've had a handgun license for 19 years (have been carrying Glocks for 16 of those years), and have yet to accidentally discharge any firearm. The Glock's standard trigger is heavy enough to prevent this even if YOU are negligent and permit something to get in the TG.
A Glock's trigger is much like a honed DOA revolver's trigger...and they are safe.