why would you carry a defensive pistol without a round in the chamber?
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My bet is that it's the unsure/unknown new to handgun effect in place..
Give these new owners about 1 - 3 months and the "if the gun accidentally fires-effect by itself or by me" will prove they just don't go bang by themselves and as shown above, the trigger finger is the key to safety or unsafe handling of any weapon..
Once they get a solid base of safety foundation and the new gun proves they don't just go boom on their own, then the round gets chambered and "the fear/unknown" factor enters again but not as bad nor as long, about 1 week, maybe 2, then it's understanding with confidence that, hopefully, all of us retain and pass on.. the solid_base of using the 4 rules of gun handling and safety.
Some take longer, some less, and a few just never carry with a round in the chamber i.e. Israeli style.. and that's their choice and with all the rules and knowledge ingrained in such individuals, I would not argue with their choice given they are proficient in the use and handling of weapons..
It's an individual choice (in the end) we all make on how to carry
Myself, as most others, "I recommend carrying with one in the chamber" as I walked the same unknown path, mentioned above, 3yrs ago, hard to believe, with my first handgun, a Beretta DA/SA Px4 40 F, converted to a G-model 3 months later, 2 weeks after I got my second handgun, a Sig P229R CT 9mm and 5 more handguns todate, now up to 7 - You all know the, ongoing, drill.. lol
And to answer the OP's question: No, I would not carry any of my DA/SA loaded guns in SA mode/holstered.. no need, along with - Yes when I'm using my SA 1911, EMP 9mm, SAO, loaded - cocked and locked, as they should be, again, IMHO..
OMMV
Ls