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If we were allowed to carry here I would, however, I would definitely not carry with a round chambered. I'll take my chances on the one second it takes to chamber a round to avoid something like that happening.
Then you might as well carry a paper weight. Carrying with an empty chamber is possibly the most dangerous thing you can do.
While this claim sounds like wild exaggeration to me, I'm willing to listen to your reasoning with an open mind.
So, I apologize if it came of pointed, but it's not an exaggeration.
Statistically speaking, the vast majority of self defense shootings happen at a distance of less than 7 yards, and to most of those the "3 3 3" Rule apply. That rule basically states, according to FBI statistics, most self defense shootings are at 3 feet, in 3 seconds, with 3 rounds fired.
My not carrying one in the chamber, you are adding a GIANT variable to the equation. Also called "Israeli Carry", it puts you at a huge disadvantage. For example, you are at an ATM machine and someone tries to mug you. He goes hands on with you and you have to fight him off while getting to your gun, how are you going to rack it? You will need one hand/arm free defending yourself while drawing with the other.
Say one of your hands or arms is injured by a knife or some other circumstance, how are you going to rack it?
Say you are carrying your kid in one arm and have to defend yourself, how are you going to rack it?
The examples can go on and on. Carrying without a chambered round is a death sentence and is some serious boomer shit to do. As other people have said, modern guns CANNOT go off without the trigger being pulled. I am not a fan of glocks for various reasons, but I do have a Smith M&P9c without a safety. I carry it all the time. In fact, none of my pistols have safeties, they're all either striker fired or DA/SA. It all boils down to practice, training, and having proper equipment.
Do not use those shitty fabric holsters, do not use shitty or any leather holsters. This is 2019, use kydex and make sure you practice holstering and unholstering.
As far as Negligent Discharges or Accidental Discharges, they do happen. Do they suck? Absolutely. Are the avoidable? Usually. As long as you follow as many rules of firearm safety as possible, AD/ND's are generally embarrassing at worst.
Particularly "...and make sure you practice holstering and unholstering."
I can't even carry in my state, but I specifically got into action shooting so I would be forced to handle my pistols and rifles in "practical shooting" situations. Drawing from open carry, from concealment, shooting for par times, etc, etc. The competition aspect means I have to practice (empty gun/dry fire) a lot between matches and take the guns apart to clean/maintain them more frequently. If I'm listening to a conference call for work I'm usually dry-firing a pistol or rifle or practicing drawing from a holster.
Doesn't mean I'm an expert or immune from doing something stupid, but the odds are far less likely.
People who carry should definitely spend time practicing with their guns...