This is a black powder forum, so I'm assuming the discussion was limited to that genre.
Not specifically black powder. Black Powder and Cowboy Action Shooting so the new Rugers apply.
That's correct. Apologies. I'm not sure I'll ever get used to modern Rugers as 'cowboy action guns' - I have no problem with it, just can't get my head into it yet.
On 'experience':
No sane person intentionally carries or uses a gun in an unsafe manner. There are thoughtless people who don't understand or pay close enough attention, but for the most part we all try to be safe.
The range of options available varies from the ridiculous (never get out of bed in the morning, only to die in an earthquake) to the practical (decide how to handle and carry your gun in a manner that greatly reduces the chances of an inadvertent detonation) - nothing new in that but I thought I'd get it out of the way.
When considering what a 'safe manner' is we tend to rely on experience to think of what
could happen. We tell ourselves we've thought of everything and thus feel 'safe'. Unfortunately, or perhaps luckily, we don't have the experience of a catastrophic event to teach us the one event that puts a ball in a leg or hip, so experience is not an adequate teacher.
The only other thing one can do is take a good look at our practices and the design of the equipment, and see what characteristics can be used to enhance safe handling and carry. The 'safety pins/notches' is one good example - using those doesn't guarantee the hammer won't get pulled back far enough to bring a round into battery, but it sure a lot safer than carry the hammer down on a loaded, capped chamber. It just makes sense to use them.
Is there anything else? Yes, putting the hammer down on an empty chamber. It IS safer because the hammer has to move farther and the cylinder has to rotate twice as far to bring the loaded chamber into battery. How much safer? Enough to make giving up that round worth it? What are the chances I'll actually need that round versus inadvertently shooting myself in the leg? Tough questions to answer. Nobody can answer them for you. And so there is no single 'right' answer.
But, at least we're thinking about what we're doing. As we all know, there are people out there using guns that aren't.