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could you have chambered a round while being straddled and pummeled?
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I think most anyone, who has ever been in a fist fight will answer
NO.
The bottom line is, carrying with a unchambered round is basically, carrying an unloaded firearm. If the need for it arises, you are more likely to need it immediately, rather than later. This is much like hanging an empty bucket in your kitchen, instead of a fire extinguisher.
A carried, defensive firearm, with an unchambered round, is nothing more than an expensive "club" at best.