I,ll pay you to let me tote it fully loaded for several years. I think that the trigger has to be pulled and it has to have the forward motion of swinging forward to hit the primer.
Take the pistol after unloading, close it, hold it up under a light or lamp, and try to
push the hammer forward while looking through the small space at the back of the cylinder. I think that you will see that the hammer mounted pin does not come forward
enough to strike the back of a loaded bullet. To my knowledge, the only pistols that you are advised to carry on an empty cylinder hole is on older Single Action Cowboy type revolvers. I have toted older revolvers for years such as this with no accidents.
The older Ruger single action guns, you are advised to carry on one empty round.
Also I have seen some older single action guns that could fire even if you just dropped the hammer half way. But I have not seen this on Smith and Wesson Guns. I am not afraid of it. But when dealing with anything man made, I suppose anything is possible.
Also on older Colt Sigle actions, you are advised to carry on a empty round.
You could take a 38 round without the bullet and with only the primer in and do all sorts of tests for fun.