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Chamber.

P.S. Your XD has a couple of external safeties: a grip safety (the gun won't fire unless you're holding the grip) and a trigger safety (the gun won't fire unless the trigger is pulled). You also have the safety between your ears as well as a fairly significant trigger pull. A safety exists to prevent a firearm from discharging when you don't intend for it to discharge (dropped, bumped, jostled, caught on something, etc.). . . it's not for disabling the gun totally like a trigger lock.

I'll echo those who are recommending a good holster that retains it shape to allow one-handed reholstering and covers the trigger.

As always, know your main firearm safety rules:
1. All firearms are always loaded.
2. Always keep a firearm pointed in a safe direction.
3. Keep your finger off the trigger until you are ready to shoot.
4. Always be sure of your target and know what is behind it along the bullet's trajectory.

I guess that P.S. turned into a M.S. by the time I was done typing.