KelTec's handguns have had some good reviews and they can be had for under 400$

But yes your right training/common sense is the key. My opinion is, If your not about to use it keep the dang chamber clear, no need to rack the bolt till you need it, thats a 110% better safety then any firearm safety can be. As no matter how much you force the safety/trigger, by accident it will not fire no matter what.