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First, let's look at why military commanders prefer that their troops not carry a round in the chamber. For many militaries, including our own, firearms training is minimal and what training there is concentrates on the use of the rifle
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Do you think that all the people carrying a firearm have extensive training on handguns. Judging by some of the posts on this forum by people not even knowing what SA/DA is I wouldn't want to be within a mile of them if they were carrying a handgun with a round in the chamber. Its not just a matter of self defence its also people not shooting themselves or someone else. So from that point of view if there is not a round in the chamber they can't accidentally shoot someone and if they do need the firearm they can put a round in the chamber in around a second. So in my opinion carry whatever way you feel comfortable with and don't let other people tell you how to carry your handgun.