dc,
Good advice. FWIW, we were chambered every time we went off the FOB, but since most of my time was being a fobbit...well, you get the idea. Also, I'd love to practice more and get comfortable with carrying chambered, but the People's Democratic Republic of Maryland isn't exactly conducive to that. More's the pity.
I understand where you are coming from. Unfortunately we cannot choose which laws we will follow. Do you have any organizations like this or OFCC in Maryland? I can't speak for INGO, but the OFCC leaders would be willing to give advise and what assistance they can to other organizations. They did a great job for us in OHIO.
So what happens if the bullet gets setback in the casing? At what point is "too far"?