This is true, but when you use it for practice and need to clean it. Or when I go to places, such as gun shows, etc. I represent rights groups at events, mostly gun shows, and loaded firearms and mags are not allowed. I will not leave a firearm in my vehicle, if I have a choice. I do have a safe in my vehicle, but have only used it a couple times in the over 6 years I have had it.
Also, if you “always” have it in the holster, you still need to clean and lube it on occasion to ensure it is in working order (i.e., sweat and dust bunnies haven’t gummed the action). As to my CC, it typically does not go in the safe, when it is “off” my person, it is still close by, though still holstered. I will always do a status check to ensure the status before putting back on. As to NDs, it is not likely with my PX4 Storm, as it has a decocker that I engage before I do the status check, and my finger is nowhere near the trigger when doing that, and of course, it is pointed in a safe direction.