Do you carry with a round chambered?
I thought about the question a bit first, and I have to admit, no I do not, but I may or may not be answering the question the way you meant it; let me explain:
When I carry a handgun, for self defense, it is always loaded to capacity. This was not always the case with certain pistols I had, but certainly is the case now.
As for long guns: I have often 'carried' them without one in the chamber. When I go on a hunting trip, and am making my way out into the woods at 0400 in the pitch black, you can bet there is not a round in the chamber. Heck half of the time, in that situation, the gun is not loaded at all.
When I go out on an operation for my job, and take a long gun, the chamber is not loaded until at or near the location where it may be needed. I do not need a Remington 870 going off in my car and taking off my head (you guessed - no shotgun racks, so it is in the trunk), and it is empty. I do the same with my MP-5 as with the shotgun, it gets loaded at or near the loacation.
If I go to the range with a handgun, or long arm that I am 'carrying', it may or may not be loaded. If it is not my defensive sidearm at the moment, such as if it is in a range bag or box or gun rag, it goes along unloaded.
All the best,
Glenn B