First off, I've been following this post since inception, I just just wanted to add my two cents.
If your not going to carry loaded dont carry. You should just carry around a brick and throw it at a bad guy. They are not going to stop and let you rack a round in the chamber. I always carry with a round in the chamber. If I need to use my sidearm it needs to be ready.
I gues I just can not wrap my head around someone carring an unloaded weapon??