I'd like to hear some personally known, read about, or made up stories of all the poor dead fellas caught with an unchambered gun in their hands in a self defense situation.
Oh wait, there are none, never mind.
I'm also kind of curious as to how many of those who carry chambered(apparently the only way to carry a gun) also leave their weapons inside their cars/at home in places that do not allow firearms?
All of you? Well that's a relief as of course that is illegal and not high road.
When entering a hospital, National park, restaurant, airplane, school, foreign Country, military base, public event, stadium, or wherever carry is prohibited it must be hard with all that extra training and +1 preparedness to go out the window huh?
To answer the OP's question...
I carry unchambered because the only thing that will make a bullet fire will be me pulling back the slide and then pulling the trigger. I don't have to worry about anything short of somebody else actually getting my gun out of my holster, chambering a round and firing it. I carry the gun basically at night(after dark) only. When 99% of the bad guys are on the job. While carrying it I make sure I do not enter any place/situation that will not allow it keeping to my normal routine of shopping, picking up pizza, walking dog, etc. I also make sure when and if I was to be in a situation/place that warranted needing the gun chambered I do so. Which so far is never. During the day I work and eat lunch in private residences. I come home shortly before dark and then I am armed in my home til next morning and/or when and if I leave that night. I don't allow myself into situations that would mean having a chambered gun would be the difference between life or death.
Everybody has different situations. I believe the acronym, YMMV, applies here. My schedule allows for a very safe environment during the day and I only carry at night just for "feeling safer."
If I carried chambered it would not make any difference in my life. Some of us apparently are constantly in fear of being watched/trailed and in close proximity of potential criminals but, not here.
So there you have it, that's why I carry without one in the chamber.