I think your being very smart! I do the same for Taycie. Yes, she gets along great with dogs but it doesn't mean I trust them... or their "parents". I would just rather be safe then sorry.
Many times, I have picked Taycie up when some big dog comes bouncing over.. Of course, like you I get the typical response, Don't worry she/he is friendly.. but I am not so trusting. They sometimes will roll their eyes at me or walk away staring at me funny.. but I don't really care. I just roll my eyes at them
And... not all dogs get along. I find Taycie will love everyone but the love isn't always reciprocated back to her. I find that is when I become very overprotective because I don't want something to happen to her.