A selling point for firearms is the TTFS (Time to First Shot). This is measured in seconds and they do it for chamber and unchambered rounds. The fastest TTFS guns are the DA/SA guns. You don't need to chamber a round since the first trigger pull (Usually the heaviest) is Double Action. So it loads the round and cocks the hammer/striking pin on the first shot. Then all subsequent rounds are Single Action with a reduced trigger pull. Maybe you should look into a compact DA/SA firearm for her. Then she doesn't have to carry it cocked, but she needs to finese the trigger on the first pull.