If it really worries you, don't chamber a round, but if its chambered and a DA, leave it in DA with saftey on. Perfectly safe, unless you pull the trigger.
And BIC, you said,
Also that RACKING of a round has a giddy up and go effect when heard by BG.
Yep, sure does. Also alerts BG to the fact that you are awake, and armed, and takes away all element of suprise you may have had. If he is determined, now he KNOWS he HAS to KILL YOU FIRST. In my opinion, stupid move that looks good in movies, compromises you in real life.