Choosing not to carry a loaded chamber in a modern gun is an example of ignorance (no insult intended) or irrational fear.
Ignorance would come from not knowing the design of the gun and it inability to go off without pulling the trigger.
Irrational fear would come in if you are aware of the safety features and still choose to follow the anachronistic carry in an empty chamber This would be like disconnecting the battery on you car because you feel it might start without placing the key in the ignition.
A typical .380 round will travel around 800 fps. That means it will move 400 feet in your .5 second. Do you expect your attacker to be outside of that range? A typical law enforcement gunfight occurs within 3 yards (per FBI). A typical civilian gunfight occurs within touching distance (a person can’t stab, rape or hit you from 3 yards).
Our opponent gets to choose the time, place and circumstance of our engagement. We are already behind the time curve in a life and death struggle. We are reacting to a threat. ½ a second is a VERY LONG time.
Cary a safe gun. Cary it in a holster designed for THAT gun (ensure the design covers the trigger). Carry the gun in a ready condition.
Get professional training.
"Patriotism is supporting your country all the time, and your government when it deserves it." -Mark Twain