I carry concealed and have one in the pipe with safety on. (Beretta) Or one in the pipe no safety DA/SA Sig.
I do not want to have to rack the slide.
and I want the extra bullet.
1911 concealed, one up the pipe, cocked and locked, over a full mag with 3 spares on my off side.
Part of the scary part of handguns are some of the people carrying them!
I always carry with one in the chamber. As many have said before, you won't have the opportunity/time in most instances to pull your weapon, use 2 hands to rack the slide, acquire your target and fire. When you are in a life or death situation you lose fine motor skills. Good practice makes perfect, but it is smart to eliminate unnecessary steps without causing additional safety concerns. Having said that, I know my gun well, I purchased it in part because of the safety features. It is DA/SA and I carry it with the safety ON.
Obviously this is thread is a matter of preference but after I got comfortable with my pistol I just felt that it was a bad idea to carry a gun without a round in the chamber. That extra 2 seconds could be the difference between life and death.
I believe that a person should not carry a lethal weapon unless they know how to use it without endangering innocent lives, and that includes being competent to carry with a loaded chamber. At least half of the scenarios I can concoct in my feeble little mind don't allow me enough time to dig my pistol out and rack the slide (and hope a round doesn't stick on the feed ramp).
As for the sound of a slide being racked striking fear into the hearts of bad guys...maybe...but I don't know if that fear will launch them into flight, or just inspire them to pull the trigger on their fully loaded Hi-Points.
If anyone has figured out a way to know when they will need their gun for sure, please let the rest of us in on the formula. I don't buy into the whole "I am more likely to need my gun in this area" theory. I value life too much to leave it up to odds.