I leave my striker fired pistols loaded with one in the chamber even in the safe, but they're in Comp-Tac Infidel holsters that completely cover the trigger and retain the pistol well enough that I can hold it upside down and shake it a fair bit without it coming dislodged.I prefer striker w/safety on, or DA/SA with hammer down (safety off) when carrying.
When I carry a striker pistol without a safety, I keep it chambered, but am just extra careful about unloading before putting it away. My pistols with safety/decockers stay loaded, and those without are only loaded when in use.