Yes that has been proven to be an issue if the gun is dropped.
It is one of the rules in USPSA that I want changed. Regardless of the type of action, if there is a half cock position for a hammer fired pistol, you should be able to use it in the hammer down start position.
What they really should do is let you start locked and cocked if there is a safety. If there isn't, you should have to start decocked. The rule should state that the gun start condition should be the safest condition (if multiple conditions are possible) and then define the safest conditions in the glossary.
Cheers,
Toby