It's not the carrying or potential drops that are the problems. It's the lowering of the hammer. You've to pull the trigger to manually decock, then fully control the hammer on its way down. Also, pulling the trigger defeats the safeties. There's that and the fact that many people have a problem even considering decocking (there IS a risk of ND in manually decocking)...Half cock is an option for those that don't want to lower the hammer fully.I'm still trying to figure out how carrying with the hammer down could possibly be more dangerous than carrying with the hammer at half-cock. The CZ-75B has a firing pin safety, so the gun can't fire if dropped in either position. Beyond that, doesn't the 75B have a floating firing pin? I think it does, which means you could drop it on the hammer with NO firing pin safety and it still couldn't go off.
What am I missing?
The OP described things pretty well, IMO.