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I have been carrying a single action 1911 for the last 12 years off duty...haven't been down on a scooter while wearing it (thankfully my crash was 14 years ago!), but I have never had an unintentional discharge with it.
The 1911 design is inherently safe. I realize the hipowers are safe pistols as well, but without the grip safety, I would be a little hesitant to carry it cocked/locked. To each their own.
I would think that that only concern that would be had with going down with a cocked and locked pistol would be if during the course of the crash, the safety is knocked to the off position, and some piece of you,your clothing or scoot pushes the trigger rearward......lots of stuff would have to happen, but you never know.
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