This was discussed several years ago when I went through the police academy. It really makes no sense to not have one chambered when you're carrying for personal protection. As quick as a dangerous threat can come at you... a lot can happen in the time it takes to draw... charge the weapon... then get a shot off. But, to each his own... it's your gun & your choice to carry however you want to. For those of you who do not carry chambered... good luck with that if you are ever instantly and unexpectedly assaulted.