I'm with the frogwalker on this one:
Loaded, hammer down, safety off.
Why do I have a safety RAMI and don't use the safety? Well as someone else noted it was available and even more than that, the safety is less expensive enough to make a difference to me. On handguns that I own with decockers, I do use them but they are simply a convenience and I really see not advantage to having them other than a wee bit of convenience.