As to the FOT (finger on trigger) issue, all I can say is I suspect anyone who is ending up FOT coming out of the holster with a Serpa is probably FOT coming out of any holster they use. Activating the holster release on a Serpa puts one's trigger finger perfectly aligned to be indexed on the slide, where it should be until needed. I'm sure the people generating those reports have vastly more experience than me, I think. I've carried mine daily for seven years now and never had a problem.
The problem seems to be with people who hook their trigger finger instead of pressing on the release with the finger pad with the finger remaining straight. You're right that they have a problem with any holster.
