I won't speak to the newer designs, other than to say those with a firing pin block are built to comply with modern requirements for "drop safety".
I can speak to the original 1911/A1 system. No drop test or impact test I am aware of has ever gotten one to fire from a blow to the hammer with the hammer down. The 1911 uses an inertia firing pin, which is shorter than the distance it has to travel, AND has a spring to ensure it stays in the rear position.
If you "hammer" the hammer, when its down, the firing pin IS touching the hammer, BUT so is the firing pin stop. The hammer is resting against the stop, there is no possibility of an impact driving the pin forward.
The pin being driven forward can only happen when the hammer is not resting against the stop. Lift the hammer (even a little, not even to half cock), the spring loaded firing pin then peeks its head out, above the level of the stop plate, so that it can be struck. With the hammer down, the pin is flush with the stop plate and cannot be struck and driven forward.
A drop on the muzzle is another matter. The pistol CAN fire under exactly the right conditions. But, those conditions are very rarely encountered in just the right amounts.
If the gun falls far enough to overcome the inertia and the resistance of the firing pin spring, AND do so with enough energy to detonate the primer, it will go off. This has happened in some documented accidents. (I call them freak accidents).
In testing, it was found that #1, the gun has to land essentially straight on the muzzle, #2, it had to land on a very hard surface (steel, or concrete. wood might, or might not be "hard" enough, at a given height, pine vs teak etc).
Now, this applies to GI spec guns, in proper working order (and with GI ammo). Do something to the specs (like a alloy firing pin, different spring,
full length guide rod, etc) and you change things in ways I don't know.
one set of tests I read ages ago (and going only from my admittedly flawed memory) they had to build a special track to get the pistol to land muzzle down, and it had to fall 6 to 30 feet, depending on exactly what the impact surface was, in order for the inertia to overcome the design and the pistol fire.
The same tests could not get the pistol to fire from any drop or blow to the cocked hammer. What happened in their tests was force sufficient to break the sear/hammer engagement usually broke the hammer pin, and the hammer would fly out of the gun. Again this is me remembering something I read decades ago, and I might be leaving out vital information, so I wouldn't take any of this as an absolute.
In General terms the 1911 system is pretty safe. But not absolutely safe.
The firing pin blocks do make them as absolutely safe as humanly possible. My PERSONAL opinion is that they are unnecessary, and are simply a few more parts and a slight complication to assembly. But I am willing to accept the small risk.
Current Drop safety standards came about largely from gun control efforts, particularly in California. Decades ago when CA was creating its "only guns on the approved list can be sold" policy safety testing was required and guns had to pass their(CA specified) tests (and the mfg had to pay for the testing).
I believe the drop test requirements were deliberately written so as to exclude as many guns as possible, but that's just my nasty suspicious nature at work.
The easiest way to be able to pass the tests was the inclusion of a firing pin block, and nearly all designs created after the 70s include one.
There were designs with firing pin blocks before the current levels of safety requirements became the general norm. Today almost everything intended as a "Duty" class gun has them.
Hope this helps answer at least part of your question.
if not, I shall try to confuse you, again!