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I agree with Liberty. Practice is the key to it all. As you practice your draw, you practice where your trigger finger will be. It will become instinct when/if you practice enough. Finger only goes on trigger when eyes/sights/muzzle are on target. If your range permits it you could even come up with scenarios with both combatant and non-combatant targets crossing. This would take at least one other person and some outside-the-box thinking/planning but it can be done. Using a sled to pull a non-combatant target across a series of combatant targets is one that comes to mind quickly. Use your imagination.

The biggest thing though is to practice and establish that correct habit and you won't get bogged down with the details when the adrenaline starts pumping. This is not something that one right answer but again practice is the key.

I carry condition 1 with my 1911 as this is my primary carry gun. However, I have both a Glock 19 (relax LT, it's for the GSSF competitions) and an SA XDm. Both are striker fire pistols. If/when I have to carry one of these I will carry with one in the pipe. Your finger and brain are the safeties on these guns. I am a firm believer in using whatever safeties that comes with your particular gun but you must remember that mechanical safeties can and will fail so, while they should be used at all times, they are not what makes the guns safe. The handler of the gun is what makes it safe. Trust your instincts and practice drawing, presenting and firing as much as possible and you may be able to overcome this "fear", if you want to call it that.

This is my opinion and, like someone stated earlier, it's ultimately your decision so take all this for what it's worth to you.