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If he has had the gun since 1995 and has never kept a round chambered then maybe he is still uncomfortable with the gun and probably shouldn't keep it loaded.
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Cut the guy (I assume Mr = male...) some slack. There are a LOT of older handguns that are not drop-safe. Consequently, there are plenty of otherwise knowledgeable gun owners who don't understand that it's OK to carry most modern handguns with a round in the chamber.
Many of these people were taught to shoot by an older person who grew up with guns that weren't drop-safe, or was taught to keep the chamber empty while serving in the military, which AFAIK was general doctrine in all branches of the US military until relatively recently.
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The Ruger P95 DAO is as safe to carry a round in the chamber as a Double Action Revolver.
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FWIW this statement is a bit misleading because not all DA revolvers are drop-safe.
For instance, S&W revolvers built prior to 1917 lack a hammer block and IMHO should
never be carried with a live round under the hammer. Also, the 1st-generation S&W hammer block used from 1917-1944 wasn't a very good design, and IMHO these hammer blocks should be carefully checked for proper function before one of these guns is carried.