I read threads on this forum where posters argue that the trigger pull and the difficulty of racking the P3AT are too long/excessive and difficult respectively. This should tell you something about having a cartridge in the chamber and the chance that the gun will actually fire unexpectedly. Nothing is certain in this world but it would really take an inordinate and unbelievable set of circumstances to have a loaded P3AT actually go off while you are carrying; meanwhile, as others have said, you have an unloaded gun on your person, when fractions of a second, particularly with those of us who are not gun toting professionals, can mean a big difference.