Carrying with the chamber empty means you are assuming that you will always have both hands free if you should be thrust into a self defense situation. I carry openly every day and I seldom have both hands free. My off-hand is often holding a laptop, umbrella, phone, camera, or whatever else.
Without starting an off-topic argument, it is dangerous for simple, carless, or stupid people to carry firearms (or any other dangerous items). All guns ARE NOT always loaded, if they were we couldn’t and wouldn’t be able to dry-fire, clean, or function check them. Simple people simplified the rule from “All guns are always loaded until you have positively verified that they are not” down to “All guns are always loaded”. They lie. They say one thing (all guns are always loaded) but their very actions (dry-firing etc) prove they really don’t believe the rule. If you are willing to bend the rules from time to time because “you know better” then you are complacent or careless. Know the rules - follow the rules, that’s how you stay safe. If the rule, as written, is too complex for someone to understand, they need more training or they are too inept to safely handle a firearm.
Guns do not ‘just go off’ anymore (if they ever did). A modern firearm properly handled, carried, or stored cannot discharge accidently. As has been mentioned, if you are uncomfortable carrying with a round in the chamber, get some training. If you can safely operate a motor vehicle fully fueled and running, a little handgun shouldn’t be any more difficult.