It's a single action...why would you need to de-cock it? For those of us who grew up in the age of external hammers, we have no more issue lowering a Hi Power's hammer than most other pistols, but there's really no need to do that. It should be carried in condition 1 with the safety on. Otherwise, unload, point in a safe direction and pull the trigger. From the factory it does have a 32lb mainspring so the hammer is good and stiff.
In other words, yes, it's a pain to de-cock.
I carry a Hi-Power (and most double stacks) with the magazine downloaded by one (12 rounds). When unloaded the +1 round is stored in the magazine and the pistol is left slide locked. To load the pistol insert the magazine, drop the slide, safety on.
