Always +1. I read recently that not having a round in the chamber can cost as much as two seconds to present the firearm and chamber a round. If you ever get in a situation that you actually need to present your firearm, you would probably have a better survival chance, unless your opponent is a miserable shot, if a round was chambered and all you had to do was click down on the safety.
May the Schwartz Be With You.
NRA Life Member