Seriously -- listen to what's been posted and carry the gun loaded like it was designed to be carried. You're overthinking a nuance -- to an extreme.
You're probably right. I have a tendency to over think things alot. But I consider it a good thing when I seek advice during an over thinking episode, which I always do. But even though I will not under load based on the advice you good fellas have given me I will keep this thinking around for awhile.