The following is my opinion. My opinion is based upon 20+ years of shooting. I am a certified Range Safety Officer, and a Certified Firearms Instructor in several disciplines. Ergo, you may want to take my opinion into consideration. This comes up in nearly every CCW class I teach. If a student does not bring it up, I will so that the point gets made in case anyone gets this silly idea in their head. "Always keep firearms unloaded until ready to use." Typical safety rule. That rule goes completely out the window when dealing with a firearm for self defense. A self defense firearm should always be considered "ready to use". This means in good working order, and LOADED. Unchambered=unloaded. I carry Glocks. Glocks are safe. Glocks will not go bang unless you put your booger hook on the bang button. If you do not do this, it will not "go off". If you are concerned about a lack of safety, here is what a good instructor will say about safeties. Safeties are mechanical devices and mechanical devices fail, never rely on a safety to keep you safe. That is what your brain is for. If you are that concerned, either put it in a holster, a quick action safe, or don't bother relying on it for self defense.