I keep hearing one arguement for condition 1 is only having one arm to draw and fire while the other is either hurt or protecting urself. With all the "what ifs", whos to say that the attacker is not left handed and swings at your RT. ARM, if ur rt handed,thre goes the idea of even drawing. There are most likely a thousand "what ifs" a person could encounter, so what difference does it make HOW one carries?
The reason to carry chambered is because of the "what ifs."
The main point of carrying chambered is that you can't predict the circumstances you will find yourself in, but should you have to use it as Massad Ayoob has said, at least half the time it will be one handed.
http://thehighroad.org/showpost.php?p=6245406&postcount=189
So, as a general rule, carrying chambered is the best course.
Does it
always apply? Of course not. There will always be something that is outside the norm. As Mr. Ayoob said, carrying a firearm that isn't drop safe is a good example. Of course he also says to get a pistol that is drop safe.
For the sake of scenario discussion, let's use your example.
Let's assume that your right arm is taken out. You may still have a chance to draw your weapon at some point with your left. But if you don't have it chambered, you have just made it more difficult to use that firearm.
And before someone says "Even if you draw with your left you wont be able to hit anything", I'll agree that it will be difficult, but not impossible and better than nothing. I actually practice shooing with both hands just in case. I suck at it, but I suck a lot less than if I had no practice doing so.
I'm not going to say someone is an idiot and shouldn't be allowed to carry if they carry unchambered as one THR member so poorly put it. I will say that a decision to carry unchambered because you think you are fast enough to chamber is foolish and a decision that does not agree with the facts and history (I again refer to Mr. Ayoob...read some of his stuff to get an idea of how things really work in the real world). If you do not carry chambered because you are apprehensive about doing so, I would submit to you that you
may not have the mindset that is willing to use your weapon should you need to...maybe you got your CHL before thinking about it. I can't know that, only you who have such an apprehension can.
You may simply be unsure of your firearm/yourself with your CCW. Practice will help. Get some snap caps and practice with them.
I suggest you watch nutnfancy's videos about conceal carry:
http://www.youtube.com/watch?v=ei8OK4WdoW0 (check out some of the other vids he links to in that vid).
Also read Mr. Ayoob's works. He has lots of experience in the real world with firearms. If your goal is to protect yourself, your family, and those around you then learn what he as to say about firearms, tactics, and legal aspects of firearms ownership and carry.
And I hope as you have more info on the real world and not a gimmick people are selling to the uninformed, you'll make the decision to carry chambered as a general rule.