I had a Baby Browning, and one of the PSP copies, and carried them pretty regular back during the 80's and 90's. Mine were carried as a second BUG, usually wrapped in a bandana in my back pocket. Used to carry them loaded (round in the chamber, safety on) until a buddy had an issue with his. After that, I went to a Seecamp and put the Baby away. Still have the Seecamp, the Babys are long gone, although now I wish Id kept the Browning.
In about 47 years of pocket gun study, I have never heard of one going off accidentally. Have you?
I have, and it was my buddy above that had the problem. He was working in his garden, bent over, and the gun discharged, blowing a hole in the back pocket of his jeans. Other than his pride, he wasnt hurt, nor was anyone else. He carried his as I did (I got the idea from him), in a folded bandana to break up its outline and give it some protection. Best he could figure, the safety got knocked off at some point, and the bandana somehow got into the trigger and when things pulled tight when he bent over, it went off.
Lesson learned, dont trust manual safeties and get a real holster.