If I don't have time to pull the trigger...either way I'm too late.
Cocked?
I ain't doing that.
Proper way to carry a 1911 type .45 auto is loaded (one up the spout) and cocked. Otherwise you have to operate the slide or cock the hammer before it is ready to use. And 1911s don’t come with a de-cocker, so letting the hammer down on a loaded chamber would be iffy (i.e. might as well carry it cocked...).
DA Autos can be carried loaded and de-cocked. The trigger pull will operate the hammer. They have “de-cockers” to safely drop the hammer on a loaded chamber.
For revolvers, just leave the chamber under hammer empty (and even that is safety overkill with most modern revolvers). But it generally limits you to five (or four in some smaller revolvers) rounds.
Main thing is, don’t touch the trigger until you’re ready to shoot.