With a holster of some sort to cover the trigger - and the trigger pull being very long - it is very safe.
For self defense, you have to decide if you want to have to rack the slide after pulling your gun in an emergency. Is that something you think you can do reliably - without error - in an emergency/panic situation. If you do it wrong - or forget - then you have essentially an unloaded gun in that emergency situation.
The absolute safest is to not have the gun at all. The next safest is to have it not chambered.
It's for each to decide.
Take it to the range and shoot it. Make friends with it. See how it does not malfunction. See how long and safe the trigger pull is. Read up on the safety mechanisms built into the gun - and decide if you feel it is safe enough. It's a personal decision. Not someone else's decision.
If you feel it is not safe enough, consider another gun. Check the next gun's safety mechanism's when fully loaded. You may even want to go to a revolver. Most modern revolvers have firing pin blocks between the hammer and firing pin making accidental firing nearly impossible without a trigger pull.
This is very reasonable stuff you are asking and considering. Don't let someone push you around and tell you differently -- and try to push you into their thinking.
My own --- I've been carrying the LCP with a round in the chamber for two years now. Always in a holster - mostly back pocket holster. That is my decision. Not necessarily yours.
(I have to confess, in those two years I have accidentally dropped the LCP, in it's holster, without incident. Please don't beat me up too badly, guys ...)