I hung with Israelis in the 80's so racking on the draw is no big deal. When making safe I try to be as discrete as possible so dropping the mag in the armrest as I slip the pistol into the safe is quick and easy. Kind of like how 80% of the time I take the LCP in a pocket holster for sheer convenience. I know some who revolve their lives around their carry pieces but that is just too much like work when I have convenient options. Also loading and unloading can cause bullets to drive back into the case risking pressure and feed issues. I am 90+% sure that I am as likely to do as well loading on the draw in any situation I would find myself in.
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