Carrying a handgun relies on that rule not being followed and instead the holster preventing anyone from pulling the trigger, but if the gun can go off without a trigger pull all bets are off.
Source: many years of carrying a weapon in a professional capacity.
I certainly don't expect I'll be able to address this from someone confidently bragging about years of "professional" experience carrying an unchambered weapon as the only right way to do it on the street, so hopefully you can find a class with someone with a background you respect so it will go through your brain.
Regardless, depending on the situation and specifically in the USAF, you are ordered to either carry with a round in the chamber or not, and you'd damned well follow those orders.
It's beside the point, but I imagine, based on my own first hand experience, that USAF Security Forces typically carry without a round in the chamber, in most situations. I did Weapons Courier duty and I was ordered to carry a round in the chamber and be "locked and loaded" at all times.
Marine Corps order for MP and armed guard standard is round in chamber, weapon on safe, slide forward, hammer down. It stands to reason that is the standard case for all military LEO.
All that to say, anyone who says you shouldn't have a round in chamber is living in a fantasy world.
That was historically a very common military rule, and AFAIK it's still common worldwide, just not in US.
IDF is particularly famous for having empty chamber as the standard protocol, which is why this is often colloquially known as "Israeli carry". And you can say a lot of things about IDF, but one thing for sure: they have operational experience.
Disclaimer: I was not SF. I was merely surrounded by them in a very high security environment. :-)
I feel that the safety versus response time trade off is worth it for me. It could be from my military background, but for me a negligent discharge is one of the worst things I could possibly do with a firearm. I was also raised to never trust a safety and unload my gun when crossing fence lines while hunting.
But does it seem a little weird that the two events coincided?
It's not occasional. If you carry AIWB (appendix inside the waistband, a common position), it's routinely pointing at your own leg (and other anatomy) as you move around.
It does strike me as a bit odd to hand a holstered gun to someone while pointing it at them -- as a matter of politeness, if nothing else. But there are other incidents where a P320 is said to have discharged into the leg of someone carrying it in a holster.