All post-WWII S&W revolvers are perfectly safe to carry with all chambers loaded. There are actually two safety features built in to these revolvers. First, the rebound slide cams the hammer backwards when the trigger is released so that the firing pin does not contact the primer. Secondly, post-WWII S&W revolvers also have a sliding hammer block that prevents the hammer from moving fully foreward until the trigger is pulled. Because your 28-2 is a post-WWII gun (all S&W hand ejectors with model numbers are), it is perfectly safe to carry fully loaded.