I probably shoot more Glocks than anything else but I actually mostly agree with the OP. You can work around the no-safety issue but IMO it's a defect. We've all grown to accept the idea that guns don't need safeties even if they have 3 pound, 1/8" triggers...but I agree that there's an inherent risk to using guns which can be partially mitigated with safety switches. In particular, the holstering process can be pretty dangerous unless your form is really solid, and that's where people have traditionally ventilated themselves.
Where I disagree is on TDA guns like the 226. Once you hit the decocker, you would really have to work hard to accidentally trip that trigger. So I wouldn't let the lack of a 1911-style safety dissuade me from a 226 or other guns with a DA first pull as long as there's a decocker and, ideally, a hammer you can rest your thumb on as you holster. If the hammer starts coming back, you know you're about to get flashed and banged.
I shoot a lot of glocks so apparently I'm okay with no external safety at all, but it does mean that the reholster has to be WAY more careful, at least until The Gadget makes it up here. Your reholster should be careful regardless, but on a Glock it should be very careful. Don't wear jackets with toggles, etc etc etc. Anyone who's been on the line with me knows I'm usually the last guy to finish reholstering, even when using guns WITH safeties.
If I were you I'd look at the M&P line which can be had with a thumb safety, and is reasonably priced, or the SR9 if you want a bit more of a budget option.
Also: never, ever let other people convince you to do stuff you think is unsafe. You may well be wrong, but then again...maybe they've just grown numb to the dangers. If you want a gun with a safety, get one.