Not a fan of having the muzzle pointed there.
I don't carry appendix, but do have an M&P. I usually just put the gun in the holster when it is not on my body, then put the holster on. There is virtually no chance at a discharge doing it this way.I don't know if I would be comfortable with a glock or a M&P in an AIWB holster. But, that's why I own USPc and P226. AND... I have trained myself to hold the hammer down while I holster.
NRA Gun Safety Rules
Available as a brochure The fundamental NRA rules for safe gun handling are: