I am considering buying one of two 40 SW pistols, either a Ruger P-94 or a Taurus PT940, to carry for self defense. I want to be able to carry one round in the chamber with the hammer down, not locked and cocked, because this provides an extra margin of safety in that to fire I have to not only take the safety off, I also have to fire the first round double action. As I understand it, the Ruger has a decocker and can safely be carried decocked with a round in the chamber. I am confused about the safety on the Taurus. I've been told that I cannot carry it with a round in the chamber and the hammer down or it may go off when I drop it. Any education/advice you can give me on this point -- or any other information about the relative merits of these two pistols -- would be much appreciated. (One more thing, the Taurus is stainless and the Ruger is blued. How much difference does this make for carrying it under varying conditions?)