I do not carry without 1 in the chamber. I know some do. I have put my hand on my gun 1 time in CCW. The Pit Bull was too close for me to have chambered a round. I would be dead. Fortunately, when he got to his electric fence border, he stopped!
I view CCW as something which when I draw that it will be to fire. If that dog would have taken 1 step on concrete, it would have been shot. I don't see how a scenario unfolds which instant defensive fire will not be impeded by not being able to fire as fast as possible.
Good luck. Learn how guns work in detail and you will be able to calm fears. That worked for me.