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I carry IWB, Fanny Pack, Shoulder Holster, and OWB. Every one of these has pistols pointed at things I do not want to shoot. I live in a 2 story home. If gun is pointed up and I am down, down if I am up, I am pointing at others above or bellow. To the side it's aimed at walls that will most likely not stop the round. When out in public? This arguing a certain method violated the never point at anything you don't want to shoot is people who will argue just to argue. They have to know full well that carry is NOT what that rule is about. If they really believed what they were saying they would never load any gun until they were at the range.If your chest rig is of good quality, you'll be fine. The gun isn't going to just go off by itself.
But like you said, whatever you're comfortable with.