It's either loaded and chambered, ready for me to pull the trigger, or it's unloaded and being cleaned. Any condition inbetween begs the question "why?". Is it "safer" not having a round chambered? No. It still won't fire unless you pull the trigger at the very least. In most autos you also have to de-activate one or more safeties.
I don't know what anyone would plan on doing with it that's unsafe with the round chambered that would be any more safe without a round in the pipe.
Maybe you just like racking the slide like in the movies.