I carry mine cocked and locked.
DO NOT buy a Fobus holster, spend money for something quality and that is safer.
http://www.youtube.com/watch?v=oDeKtgkZKmQ
Have you ever used one? Trust me I love mine and one time when exiting the truck in a hurry it got caught and I wish it would have broke. I weigh in at about 240 and when it got caught I was hanging halfway out the door with it holding me. My Defender locks in tight and fits like a glove.