That foreign object in the holster argument is such a red herring.
Been carrying guns on duty and off for just shy of two decades ain't never been or seen or even heard of keys or cords happening. I know of one occasion of somebody claiming that and frankly I think the person was goofing off.
Having said that...
The "upgraded" P320s are pretty freaking safe. The disconnector keeps the trigger mechanism deactivated if the slide is out of battery.
The trigger bar safety won't release the striker unless you pull the trigger. Similar concept to the striker safety on a Glock. You can't even take it apart without unloading it, the gun forces you to even if you're a complete moron.
I don't see it happening by sheer happenstance. Something either has to pull the trigger which is already a no-no. Or something would have to basically force the sear down inside the gun releasing the striker and bypassing the other safeties and that striker not only has a return spring holding it in the upright position but static and spring tension from the striker pulling against it.
The people suing are either full of shit or using early non upgraded pistols and victims of the perfect set of circumstances. Knowing and working around Cops, I'm guessing it's negligence or tomfoolery resulting in gunfire.
Guns are mechanical devices and they behave in a mechanical fashion as designed. Humans are the weak link that do dumb shit that make mechanical devices do things they're not supposed to do.
CAN you get a draw cord from a coat snagged in your trigger as you force it into your holster, sure it's possible, but I think the odds of being sodomized by the Easter Bunny on a coke and booze bender are probably higher.
Even if you did manage to do that, is that the guns fault, or your dumb ass' fault? Take some responsibility for keeping your gear squared away.
If you've got little shit hanging and flip flopping around where you put your gun back in it's holster, either trim that shit, tape it down, secure it somehow or buy a fucking jacket more suited to carrying a gun around.
This is like the 110lb woman who blames Safariland when she gets disarmed by a 250lb drunk guy in a bar parking lot because the holster didn't retain the weapon for her.
At some point it's your fault people. You can put 37 safeties on a gun and I guarantee some retard will be showing off in front of his buddies and put one in his fucking foot. Own it.
Modern cars have air bags, anti lock brakes, parking brakes, shit some of them have proximity warnings and auto braking but if you leave it in drive and jump out to do a TikTok dance and it crashes is that the car's fault? Fuckin Ford amirite?!