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I usually carry loaded, but not chambered; I figure that it doesn't take that long to rack the slide. Safety first!
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Safety first is exactly why I carry with a round chambered. If my weak hand is encumbered by some means such as holding onto a child, or being held by the bad guy, it is much safer in that situation, for all involved except for the bad guy, to have the gun ready to go and be fired with one hand. And I really don't care about the bad guy's safety.
