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If you trust your gun then carrying loaded is not a big deal so long as you keep it in good mechanical condition and follow the normal safety items for your particular gun.
That said, you must also carry in a holster that covers the trigger and that you feel confident in. Practice and training is truly key as many have said. It may well also be that for some reason you feel your carry gun is too large or whatever, be sure you find a gun that you feel you can conceal and fire effectively.. It does no good for it not to meet both of those conditions...
Although many disagree with me I think you get what you pay for in a gun, you dont have to break the bank but cheap generally is exactly that...
Finally I never recommend carrying with an empty chamber...
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Molon Labe
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