There is no doubt, in my mind anyway, that carrying with a round in the chamber is better tactically than carry with an empty chamber.
My problem with the discussions we've had here on this issue is that so many seem to have concluded that NDs with loaded guns are inevitable. I DISAGREE!
Instead of rolling over and simplistically deciding that taking the round out of the chamber is the best ND prevention medicine available, maybe we could focus on other practices and gear that will also prevent NDs, so that we can safely carry with "one in the pipe."
Here are a few that I follow all the time:
1) Carry in a sturdy holster that holds the gun firmly, is connected to a solid gun-strength belt or strap, covers the trigger completely, does not change the position of any other controls on your gun (e.g. 1911-style safeties), holds the gun in a position where it can be drawn without the muzzle covering vital body parts, and can be worn comfortably all day long.
2) Never remove your carry gun from the holster, unless you're at the range, or facing an impenetrable backstop, or when you need (heaven forbid) to use it to defend yourself or your loved ones.
3) When the gun is not on your person, lock it up, and put the key in a safe place.
4) Remember that nobody ever won a trophy, certificate, or gunfight by having the fastest reholster move. When reholstering, take your time, make sure that cover garments are clear as you reholster, and stop if you feel ANY unusual resistance.
Any so on, and so on.
I love Col Cooper's statement on this issue: "All guns are ALWAYS loaded."