Those are not loaded chamber "indicators". Those are what I call "assumptions". People have experienced NDs doing what you described. I have seen it happen. The only way you really "know" a chamber is empty is because you just looked in it. Distractions or the the possibilitity that someone else handled your gun can allow you to make a wrong "assumption". By making this a long ingrained habit you may even pick up someone else's gun and make one of your assumptions. While you may be able to do this I would never suggest it to anyone else who may not be as disciplined.
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