Personally, if I have doubts about doing something, I don't do it. If condition 3 is what makes you feel better, go with it. I ran mine in condition 3 for about a month. Then, I decided to go to condition 1. I decided that the safest place for my G22 was in the holster, and now, I carry in condition 1 in complete confidence.
The only time it goes back to condition 3 is when I go to bed. With a 5 year old that can come into the bedroom in the middle of the night--I figured the safest thing to do is clear the chamber and keep it under my pillow, as opposed to the night stand. He won't be able to lift my head and get to it w/o waking me up-y'know? Besides, he doesn't even give it a second look any more.
Live, Laugh, Love...Center Mass!