The newer guns have a safety built into them that prevents the firing pin to move if the gun is dropped. If your gun has this drop safety there is no good reason to carry with an empty chamber. On Semi Autos I used to carry with an empty chamber until I noticed at times problems loading the first round.
Modern guns will not go off until the trigger is pulled, so now I carry fully loaded, safety on, and holstered with a trigger protector.
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