#1 is to get a good holster. Be careful of any that have a thumb snap. The reason is that holsters with thumb snaps have had the retention strap fall through the trigger guard during the holstering process. The gun is then pushed into the holster where the strap presses against the trigger.
I use either a Galco Concealable or a Sparks VM-II for my G-22. I have carried with a loaded chamber for over 20 years that way and have yet to experience the gun going off so I think you are pretty safe. As long as you do not make it a habit to draw and holster your gun several times a day it will be a non issue. If you want to practice your drawing and holstering capabilities, then unload the gun first. Never practice your gun handling with a hot gun.
"The Second Amendment is not about duck hunting, and I know I'm not going to make very many friends saying this, but it's about our right, all of our right to be able to protect ourselves from all of you guys up there." - Dr. Suzanna Gratia Hupp, appearing before Representative Charles Schumer's committee hearings on the assault weapons ban