As for me it really just depends some days i will have one in the chamber and some days i wont,when i am at work i do not have one in the chamber after that any other time i have one in the pipe. I guess its just i feel like i do ALOT of movement and lifting and jumping around while at my work that i am just afraid of having one in the pipe.
Tactically speaking, you really need to choose one method (empty or loaded chamber) and stick with it. Bouncing back and forth is never a good idea. In a lightning fast lethal force encounter, you do not need to waste time wondering whether you have a round in the chamber or not, depending on what day it is. Simply carrying a firearm does not make you well protected. Developing the muscle memory to deploy your defensive weapon, quickly and effectively, without even thinking about it, is what makes you armed. A man is not a musician because he has a harmonica in his pocket. Same principle.
I don't believe that there is a respected firearms trainer around that would advocate a defensive sidearm being carried with no round in the chamber. Deadly force situations are HIGHLY stressful, and they happen in the blink of an eye. You will not likely remember that you have no round in the chamber when you pull your firearm to save your life. Also, if you are forced to draw, you don't likely have the time to rack the slide before engaging the threat. Even if you do have time, you may be unable to do so...due to an injury, getting knocked off balance, weak arm occupied, etc. You may induce a malfunction by being unable to fully rack the slide, or by any number of things that may happen while you are trying to chamber a round.
Carrying an empty chamber gun is not necessarily better than carrying no gun. Once you present that weapon to defend yourself, it's on. Fumble your pistol because you unnecessarily handicapped yourself, and it may be the last stupid mistake you make.
Gun safety is between your ears. All modern, quality firearms are safe with a round in the chamber/cylinder. If you don't feel comfortable carrying your defensive sidearm in its most effective and proper state of readiness, you need to seek training and develop the proper mindset. Don't shortchange yourself when it comes to the defense of yourself and your loved ones.