The unchambered debate is another one of long and useless repetitive posts. If you want to shoulder the gun and rack it at the same time - that is your decision.
Evaluate the risk of dropping it vs. the risk of needing to fire quickly and without worrying about screwing up the rack.
To each his own.
Folks should carry an unloaded musket and charge it while singing Yankee Doodle Dandy to the bad guys.