. now I can truly say this is the first time I seen this wish.
.
Actually, been wished for before. Specifically on bombers with big external bombs, like centerline Stuka. B5N comes to mind. No forward guns on her, so you can't have guns selected. Any accidental bump/click and your torp is gone.
I don't know if it should be standard, but some keyboard toggle would be nice as long as it was something always OFF by default. Though, it WOULD add to the list of excuses for lost fights.... "My safety was on! Otherwise you'd have been toast!"