Not necessarily.

I am a CHL and have been trained to disengage the safety with my thumb while gripping my gun - it's almost instantaneous. In the instances my safety is already off, the way I've been trained, it doesn't matter, my thumb just slides down across the switch anyway. I've trained with both hands and with several of our handguns. Now not all guns have the same safety buy all my self defense ones do...

I keep the safety on when I purse carry - I don't like the obvious bulge of the body carry.

If I body carry I go for the bersa (with no safety and one in chamber) because of its small size but it's just a 380. Not a great self defense choice imho. I prefer 9 mm or 40...

Edit: oops read it as safety not gun lock. I agree gun lock is stupid...