It helps to get some basics right.All can be verified by dismantling various gun types and observing how they work.
The safety in the majority of guns blocks the trigger, it does not block the hammers. A fall that will jar the hammers off engagement will do so despite the safety.
Hammerless guns are cocked on opening, and remain cocked despite safety engagement.
Rebounding hammer guns have by definition a hammer blocking safety bent which will block the hammer unless the trigger is pulled and kept pressed. If the safety bent is in proper condition it is a more reliable hammer stop than the intercepting safeties on hammerless doubles, due to its robustness and simplicity.
Cocking both hammers is easy on well regulated hammer guns, but not all hammer guns are well regulated. It might be safer to precock the hammers than to fumble cocking with the hands near the triggers.
So from the above it is evident that falling, tripping etc is as dangerous or as safe, your choice, with a hammer or hammerless gun with the safety on, AS LONG AS THE TRIGGERS ARE NOT PRESSED.
An aside, but relevant, is the strength of some hammer gun V springs. They really need strength to compress. The hammers on autos and pumps do the same job, indent the same primers, yet they can be cocked with the little finger. There is no apparent or logical reason that hammer gun V springs are so tough. A little careful smithing can ease the spring, and make one handed cocking easier.
If one handed cocking is not an option pre cocking the gun when pass shooting or walking behind a pointing dog is no less safe than walking up with a cocked hammerles on "safe". The point being that the gun will be opened when the specific hunting phase is over, ie after the shot or the decision not to take the shot, and not waved around cocked when just walking in the field or to and from the shooting stand.
