1911Alaska, I don't know what you carry, though I might guess a 1911, were I a gambling man. With that said, most modern firearms of decent quality are very unlikely to "accidentally" discharge,
provided that you exercise safe handling. Most accidental discharges are the result of user error. I agree with kinggabby, though, and think that you should probably become more familiar with your carry weapon. There's no downside to knowing more about your gun or getting some training.
Once you're more familiar, or have gotten some training, with respect to whether to carry with one in the chamber, there's a video that you might check out:
Should You Carry A Round In The Chamber?