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In a sturdy Kydex holster that fully enclosed the trigger guard, guns are not going to go off "accidentally." There are a lot of cheap holster out there that are just terrible from a safety standpoint. Carrying without a round in the chamber has its place, however, for daily carry out and about where the moment you may need it in self defense you are already 'behind the ball' because you are responding to a what is likely a surprise attack from an aggressor, not a moment to lose there. Out in public, chambered all day.
Compared to the situation I previous used, with being a teacher in a school, while spending 90% of my day in my classroom. The likelihood that I would be unable to quickly chamber a round and respond to something in the school is insignificant compared to ensuring something didn't occur to cause an AD/ND.
Assuming you have use of your support hand 'eh?