I won't try to persuade you to carry something you're not comfortable with but carrying a gun unchambered may well be as good as carrying nothing at all. It depends. If I am going to bother carrying I want something I can get into action as quickly as possible. Concealed carry already slows you down just a bit anyways.
I'm not sure I follow you when you say that if you see something sketchy happening you'll have time to chamber your pistol. When your gun comes out it will need to come out shooting most likely.
I feel great carrying a snub nose in a holster that covers the trigger. You may not be 100% comfortable with it but its 100% safe unless you do something really dumb.