Carrying a round in the chamber has a tactical advantage and is okay if you practice gun safety religiously.
At the moment I carry with an empty chamber because I don't have exclusive access to the gun safe, and my assessment is that the increased safety in administrative handling from gun safe to person is worth more than the reduced safety of needing to chamber a round in a hypothetical encounter justifying and necessitating deadly force. But that's just me and YMMV. This is a temporary arrangement and I shall soon go back to a normal safe.
Rust and bureaucrats. Freedom and vigilance. Front sight and trigger. Kindness and firepower. Situational awareness and tolerance. Safety and concealment. Taxes and allegiance. Love of man and surgical marksmanship. Once a soldier, always a soldier.