Remember that a key benefit of carrying a pocket holster is the correct and reliable (repeatable) orientation of the weapon within your pocket. I really like the BFG pocket holster for my Bodyguard. It fills all your criteria except the hard cover over the trigger guard, but... Your concern is exactly why, in the extremely limited occasions I choose to carry a pocket gun, I carry a Bodyguard as opposed to an LCP or G42 or whatever (even tried a Sig P238 - because of the safety - but it was way too big for me to personally hide in a pocket - G42 was too BTW).
When I carry a pocket gun it's because I'm not supposed to have a gun or because it's the smallest I'm personally willing to go AND I'm doing something pretty active which presents a legitimate fear of the gun going bang when I don't want it to.
Examples are gym shorts carry while actively lifting in the gym, walking across the parking lot to and from vehicle into BJJ class (yes, of course it goes off body when rolling), or long distance (relative term) backpacking.
The Bodyguard fills a very small niche for me, and I only use it in very specific contexts. I choose it or a 9mm Shield because of one feature they share; a safety. Actually, two features - the safety, and the fact that I think they're a decent balance of reliability/affordability and I don't care a bit if they get destroyed externally. I do trust them to go bang. Others have not had similar experiences with the BG.
As a general rule, I would never advocate for a safety on a defensive firearm, and I know most wouldn't either - rightly so. But, I choose to carry with a safety in limited situations, fully cognizant of the limitations imposed by the device.
I got tired of getting "made," or "busted," or "called out" on a gun in my HPG Kit bag whilst hiking/backpacking here on the east coast, and I had to transition to something way lower profile (nothing against HPG btw - great gear and I love it, it just is what it is).
Based on my experience, I would consider popular trails such as the AT essentially NPEs, and the Bodyguard or Shield allow me to carry as such (ie, deep) with confidence and peace of mind that the gun will not go bang unless I want it to. Understand that when I'm out there, I'm in running shorts, trail running shoes, and a T shirt with a lightweight pack and I like to move fairly fast.
So, I put my Shield or BG in the right hip belt zip pocket of my pack, safety engaged. Surefire Backup light in left zip pocket with a reload and Spyderco Delica 4.
It's not optimal but it gives me options and I can still move light and fast. If I get to town or when I set up camp (when pack comes off), I tuck AIWB using an attached clip w/o holster or trigger guard cover. That safety let's me do that and feel ok. Key word: feel.
There are a lot of tradeoffs and I'm not oblivious to them. Context, context, context. Any reason you can't carry a bigger gun?
There are other times I occasionally carry in a pocket - that occassional day where my back tells me I shouldn't get out of bed, but I do anyway, etc, but those are extremely rare.
As a side note to your original question: If hot weather is your only reason for pursuing pocket carry, I'd really encourage you to not do it and to carry a "fighting" pistol. I know that answer is waaaaaaay more than you asked for, but that context word... It's big.