If I am carrying a gun it is going to be in the condition I want it in when I draw it, the trigger lock IS the problem here IMO.
Then you would be behaving foolishly. You are correct in your thinking for situations where you may need immediate use of the firearm. For example, having a firearm ready to go on your person, in your car, or in your home, where you are likely to need it immediately upon removal with no time to chamber a round. I taught firearms safety for 10 years for the NRA, and have taught CCW course down here, and this is an important point that I stress to my students. In a blitz attack situation, it doesn't matter what kind of firearm you have access to, your instinct will always be to use your strong hand to protect your body or to gain space away from your attacker. So any personal weapon you choose should be able to be enabled and fired single handed, and using your weak hand. So these firearms should be kept loaded and ready to fire immediately. The downside of this state is that your firearm is in its most dangerous condition and this is when accidental discharges occur. Also in high-stress situations, you will have a tendancy to forget your training, immediately place your finger on the trigger, and put enough pressure on it to reach a comfort level. For Glock owners, this often results in a loud bang (apologies to Glock fans). This is why my home defense pistol is a Beretta 96 as it has an ambidextrous safety that I can switch off with my left (weak) hand and completely disables the firing pin when on (so I can put as much pressure on the trigger, or have the gun yanked, without worrying about a shot going somewhere I don't want it.
But back to the case in point, a pilot in a cockpit is not in an immediate use situation. The cabin doors have been reinforced and are kept locked. There is no situation that I can think of where a pilot would not have one second to chamber a round. Also, anyone who's ever sat in the cockpit of a modern airliner knows that getting up from a pilot's seat is not a very gracefull series of movements and often requires both hands to steady yourself. If I were training pilots I would tell them to draw their weapon but not chamber a round until they were free of their seat and ready to open the door. Having a round already in the chamber is just an unnecessary risk in a cockpit.