Think of 'racking-the-slide' as a step in a process, albeit an unnecessary step. When you add a step to any process you add the potential for errors [slippery hands, injury, or being restrained preventing a step from occurring, etc.] . Remember K.I.S.S., point and shoot, this alone under a stressful situation may in itself be difficult for those who do not train regularly, why add an unnecessary step? The advent of the firing pin block makes it 'safe' to carry a round chambered (not trying to open a can of worms with that statement). I vote for a chambered round...
I believe if you are afraid or unwilling to carry a round in the chamber (a live round, not a dummy round), you are afraid of the weapon and need to receive some training. Once you understand the weapon and understand guns don't just fire by themselves, loaded or unloaded; you will carry with a round in the chamber. Carrying an unloaded gun can potentially be more dangerous, for reason listed in earlier posts, then carrying a loaded gun.
Edit: I forgot to answer the question regarding minimizing AD/NDs - Answer, I do not pull the trigger unless I intend to fire; thus not an AD/ND...
Here's another 8 pages on topic:
https://www.thefiringline.com/forums...d.php?t=281520