Bad news to be engaging your trigger finger during a draw IMO....
Suarez International on Serpas:...
"it requires the trigger finger to be doing something other than indexing along the frame of the pistol during the draw stroke.Simply put...the Serpa is a poorly designed but brilliantly marketed holster that causes a user to press in with the finger tip as they draw their pistol. In many cases it ends up with the trigger finger right on the trigger (and pressing inward) prematurely. In other words...long before it would be safe to do so. I am aware of five situations at other schools where this has caused an AD on the range. Twice where it led so a self-inflicted gunshot. And these guys were either highly experienced shooters of seasoned operators. Twice I have personally seen in it force on force. If I allow a holster like that in class, having seen the problems and knowing the problems, and a student shoots themselves...it really would be my fault. As I understand it several other schools disallow these holsters."
On a positive note, however, Blackhawk does do an excellent job marketing and distributing these holsters to every gun shop and sporting goods store in America, so finding one wouldn't be tough.
If you're looking for an alternative around that price point, look at the Uncle Mikes Law Enforcment kydex belt holster or the 5.11 holsters produced by Bladetech.
Also note that Michigan Defensive Firearms Institute has reported several catastrophic failures of the Serpa mechanism in classes, and Tactical Response will no longer allow them in their classes.
I have one I used in "combat focus" training where we drew hundreds of times. No problems with it at all. As far as the "trigger finger" issue goes, if you use the holster the way it was intended to be used, it practically guarantees your finger will lay on the slide as you complete the draw.
There is no reason for this holster to have a bad name because some people are incapable of using it properly.
I suspect due to successful marketing and market share "Google" shows a fair number of "incidents" with the Sepra holsters. I also have some custom made "Tucker Gun Leather" holsters. They likely have few if any incident reports. Not because they are "better", but that they are not as well known.
I'm not a LEO or Military guy, but I have never seen an issue with the BH holster. In the cases of an issue, I strongly suspect that the cause was likely human error. You cannot pull the trigger while it is holstered in a BH Sepra. Once it is out of the holster, it is a user's decision making that is at fault, not the holster that is no longer holding it.
To the original question, like mine a lot, wear it most of the time. It is worth trying on your own.