I cut my teeth on a H&R break-open, single-shot, shotgun with a hammer four decades ago. I think that is why the consternation regarding safely dropping a DA/SA hammer on a loaded chamber has always seemed a bit exaggerated to me. Between the old H&R and lever rifles over the years, I've done it thousands of times without incident, before ever picking up a DA/SA handgun.
BUT STILL, I think other than good technique discussed by sberres, the most important thing you can do is keep your muzzle pointed in a safe direction. In the house, out here in rural Texas, I usually point to the ground through a window. (I think, what would be the easiest fix if a round does go off.) They make range devices for this purpose, or you could fill up a Home Depot bucket with sand and place it where you gear up and off every day if you don't have as much space.
The main points are: 1) manually lowering a hammer on a loaded chamber can be accomplished safely and regularly; 2) Be AWARE while doing it and choose a good manipulation method; and 3) ALWAYS point in a safe direction - preferably one that is less expensive when considering home repair costs.
Regarding how CZ's are designed for half-cock as opposed to other pistols: Other pistols are other pistols. CZ's, as I understand it, are designed for carry in the half-cock position. (It really looks more like a 1/4 cock to me.) For example, old six-shooters are not designed to be carried in half-cock, hence the term, "going off half-cocked." Use the method best for each pistol.
No, I do not think cocking a DA/SA on the draw is wise. There is too much else going on at that time to worry about that. Fine for old Colts in Western movies, but there is no need or benefit in running the inherent risks with a modern CZ.
