TexasCHLforum.com

Some mags will not properly seat in the mag well if it is full and one is in the pipe. My girlfriends Beretta Nano for instance, you can't load a mag to full capacity and have one in the pipe as well. My Ruger and my xdm otoh will accept a full mag with one in the pipe. The idea being with extra mags at one less is that you can do a tactical reload if necessary (ie you are engaged in a fire fight and take cover to reload while a round is still chambered).

As to whether we carry with one in the chamber, absolutely. Anyone who has their chl should have reviewed the 21 foot scenario, and if one is not ready to go that distance gets even larger. The concern abut potentially dropping it and having to get over the instinct to reach for it as it falls is a very valid concern though (always let it fall!). I am curious though as to why some think people would come on an anonymous forum and lie about something like this.