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IMO, rack 3 times. If a bullet pops out, take out the magazine you forgot to remove. Rack 3 more times. If a bullet pops out, remove the magazine you forgot to remove. Visually check the chamber for a loaded round and check again to make you removed the magazine before you close the action. I don't like deliberately pulling the trigger on a gun unless I have already gone through all the steps to be absolutely sure it is empty.

I like the idea of chamber flags a lot. I don't have any. I will have to correct that. chamber flags slip into the chamber so you can't put one in on a loaded chamber I think.

I am not sure I like the dummy round idea. I would be afraid I would check the chamber and see what I thought was a dummy round.