I went through that same mind %$&# a while back about carrying cocked and locked in my vehicle - not on my person. I didn't like the idea of the condition 1, but not under my control. After much flaming here and some thought and practice I came to that same realization. I may not have time to cock it! I had BETTER be able to bring it to bear just as quick as I am capable of doing it and adding 1 to 2 seconds could mean the difference.
Also just a couple of other random thoughts to throw out there.
I have never felt under-gunned with only 8 rounds in a 1911
I use the extended magazines in my XD Subcompact not for the additional rounds, but for the better grip. I carry an extra mag for both
No matter what handguns I have tried over the years, I still carry a 1911. It is purely a comfort factor.
Those are the ones I am comfortable with and KNOW that I can hit with - quickly. Probably more than any other reason though is because that is what I trained and practice with. The best shot that attended all the training classes I did was a thin, retired gent with a baby glock. He just shot RIGHT there and smaller groups than anyone with that little bitty pistol. He wasn't the quickest, but he was the most accurate. The fact that he outshot his buddy that had a customized (read high dollar) 1911 with about 20 magazines made us all laugh.
So no matter what you choose, in the end the key will be training and practice.
Jeeze... all this gun talk has made me realize, I gotta get to the range more!