Good question to ask! That is my first thought when I hear cocked and locked.
Carry a Sig 226 SAO and get the random "do you know your hammer is cocked?" question before AND after questioner finds out it is a Sig. I have found quite a bit of misunderstanding on the term "cocked and locked" as well as a few carrying that way that shouldn't be!
Also, why the he'll would anyone carry a SA? Thinking it required a manual hammer cock after each shot, such as a Ruger Blackhawk.
Welcome to the OP! Never messed with the 945, but have a Beretta 92FS which of course can not be safely carried with the hammer back. I have found that two mags on my belt weak side nicely balances out the weight of the firearm. If I'm open carrying a firearm, and don't care if people notice, mags are no big deal. Half don't care, the other half doesn't notice.