I heard XD's SUCK! j/k
mine is loaded at all times like someone else said why carry if its not locked and loaded, just remember might not be enough time to rack the slide !!!!!!!!!
If you really want to know, go to a range that has a tactical training class.
See if your idea of an empty pipe is a good idea. The range I go to has Tactical Tuesdays, you go through about 175 rounds in 35 minutes. You need at least two mags and a speed loader.
There is no time to reload, the instructor goes trough a series of drills and when you leave, you know you have been through some serious training.
The first time I took the class we did hostage shooting, you need to take out the hostage taker in the forehead, at around 10 yards.5 shots in 3 seconds. No rounds in the hostage, no flyers, all = lawsuit.
Now you go into "shoot no shoot" drills. The instructor sets the targets on edge and if it faces you you shoot, if it turns away from you you don't shoot, all the while the range officers are yelling just the opposite in your ear.
A quick reload and into a carjacking scenario, shooting from a sitting position. Quick reload and go into a charging intruder scenario, unload your clip into the target before it gets to you from 10 yards out. You may think that's far but it's not. All in all you come away with new perspective on what you need to train for during your range time. I go whenever I can, just to see if I have gotten better.
Remember any holes outside of the silhouette is a lawsuit. That is the kicker, you are getting yelled at all the while you try to keep your composure and shoot in the target where the instructor wants the hits.
They also have lights out Thursday nights. 1 hour before close they turn out the lights so you can practice with your night sights & flashlight or lasers. Perfect for low light underground garage scenario.
Regarding my XD...
I carry one in the chamber:
At home, on the roam, I carry one in the chamber while on the can, I carry one in the chamber in the van, I carry one in the chamber while out and about and always while eating out (like at restaurants you pervs), I carry one in the chamber at movies and while carrying out my daily duties. I carry one in the chamber while running, I carry one in the chamber while working, I've even been known to carry one in the chamber while napping....
The only time my gun is empty (Yes I consider an empty chamber to be an empty gun) is while it's not in use in the safe.
If it's not ready to go at a moments notice, it's useless.
I actually used to carry one in the chamber until I accidentily shot mine off in my kitchen. I know, brain and I was a newbie at the time but I lock myself out of my house and car all the time so I don't brag to being perfect. I don't live in a war zone and still know the odds of me being jumped by armed intruders is greater then me accidentally shooting the gun is why I would rather take the time to chamber my weapon during a situation then have the advantage of a quicker draw. That's only my specific situation and don't have any condescending view of others preferences. You have to know your own situation and preferences to know what is right for you.
I carry with round in the in the chamber on my hip. Better to have to be ready then to fumble around if the shit hits the fan!!!!
I must say that I have my concerns about carrying my .40 xd cocked and locked everywhere I go. The thought of an accidental discharge is not comforting, but neither is getting shot while trying to chamber one. I'm guessing "hey my bad, let me chamber one real fast" just wont work... I like my XD, but I'm thinking a 1911 is in my future!