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Completely understand your concern, had the same ones myself. Study, practice and taking classes allowed me "move on" over time.

I grew up in on ranges that absolutely would not allow a round in the chamber unless you were firing at a target. Even during my time on active duty, we were taught to never carry a round under the firing pin. After getting my CHL, I had 20+ years of prior training to overcome. My first handgun was a S&W 908 because it had a manual safety. Initially I carried it without a round in the chamber, then with a round but with the safety on and finally with the safety off. It was a fairly rapid progression but it did allow me to get past old/bad habits. By the time I switched to my Glock 19, I was completely comfortable and now can't imagine carrying a firearm that is not ready for immediate use.

Carry every day if possible. Get professional training. Read, practice, watch DVD's, participate in this forum, learn as much as you can. As your knowledge level and self confidence increase, so will your comfort level.