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I carry with a round in the chamber. I had a big long post talking about why, and why I think it is better. Then I remembered what I learned a long time ago. You can't tell anybody anything. When did you learn that the stove was hot? When your mama told you, or when you burned your hand? So people that carry chambered are going to keep doing it, and people that don't are going to continue not doing it.

More than anything else I'd just urge anyone that carries to get training. Go to the ranger and find out what your pistol does when you panic fire it. Practice your draw. If you are at an indoor range with the targets that you can run out and back on the overhead tracks. Take someone with you and have them run the target towards you and see how well you can shoot it. A guy running at you will close the distance faster (at least I've never been on a range with a super fast system like that), but it will give you a better idea. Find a place that will do force on force simulations. If you are physically able learn some unarmed self defense, and learn it at a place that will actually ring your bell occasionally . I knew a guy that started getting up there in karate, but they never did actual sparring and he'd never been in a fight. All his plans on how awesome he'd be in a fight went out the window when he sparred with me and a buddy and I kicked his finger out of socket. You can learn all kinds of cool tricks, but if you can't do it after being punched then you don't really know it.