I'm no expert but I've owned an model 92. It has a decocker for safety and a hammer block to prevent droping the hammer on the firing pin. Having no slide lock, I would not and never did carry without first dropping the hammer with the decocker. Don't know about the CZ but if it's a similar design, there is nothing to prevent firing if the hammer drops either from accidental trigger pull or any other jarring of the hammer that releases the sear.
A 1911 has several devices to prevent discharge when the pistol is "cocked and locked" and once your confortable with it, it's not a problem. They are not for everyone. I would never carry a 1911 with the hammer down on a live round, NEVER! Just not a good practice....read an article recently where a poor fella put a rather large hole in his ass from an accidental discharge while carrying that way, good thing he had it tucked in the middle of his back rather than down the front....