I have the same set up. Before I got my CPL I carried the same way, so that I could pop the magazine before entering a vehicle.
After one LEO encounter where the officer said it is dumb not to carry a round in the chamber, I switched to full ready. I still say though that carrying is more important with or without the round in the chamber, and must give you kudos for doing so.
I have never had any problems with Negligent discharge, and like the fact that because you have to push the button with your trigger finger your finger is in ready position to insert over the trigger if need be.
If you are worried about it make sure your weapon is empty and practice drawing it from you holster (something we should do anyway) you'll find that you really don't have much to worry about.