I sometimes think the danger is exaggerated; not many people drop their guns on a hard surface, only a fraction of those guns are loaded, and a still smaller fraction land in such a way as to discharge.
I would guess that the problem is greatest with SA revolvers, which tend to be "big boy's toys" and are used in fast draw, fanning, and so on, with (I would think) a greater likelihood of being mishandled.
Still, safety must come first, and no one should ever suffer an injury or death due to a gun accident. So, I can't disagree with carrying an empty chamber under the hammer on a gun without a functioning hammer block safety.