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Thank you Charles, very helpful information and I will definitely practice, practice, practice. Unfortunately we don't live near you, we're in the D/FW area, but thank you very much for the offer of help.

All of you have really given me something to think about. My husband and I are both new CHLs, and have only been carrying for a few weeks. Neither of us carry with a chambered round, but, after reading this thread, I think we probably should. I spoke with my husband about it, and he's nervous about it. I'm nervous too, because I'm still so new and because my carry gun is a S&W M&P .9c, and it has no exterior safety. It is a very nice gun, and I love it. The trigger must be pulled all the way back to fire, but I'm concerned that I may accidentally pull it while unholstering or reholstering.