You have every right to be concerned carrying a P220 cocked... That would bother me also...
I promise, if you need the pistol, you will not be bothered by that harder double action first trigger pull. Yet, just a small tug on that trigger and someone’s going to get hurt the way you were carrying it...
Ever hear of a New York trigger? Glock put a harder than normal trigger on their Glocks just for the NYPD because of the trigger being too easy to pull in an emergency situation. I'm not sure if the NYPD had a problem with it or not, but they were aware of the situational potential...
Please, for safety's sake, don't carry your P220 cocked...
