Unless you plan to train until taking the safety off is second nature you should not even carry that gun if you are uncomfortable with carrying it with the safety off. In a high stress situation you’ll pull and pull on the trigger trying to figure out why it won’t go bang
I've unloaded lots of guns that were already "unloaded" when I had my old gun store. No need to be polite. Your safety and the safety of others around you is more important than someone's feelings.