My EDC is a Glock 26 or 19, neither of which have a manual safety which would be defined as carry condition 0, meaning round chambered, full magazine loaded, safety ( n/a on a Glock) off.....condition 3, what you are describing, empty chamber, hammer uncocked, loaded magazine in weapon.
With that said, I have been carrying a sidearm for many years, both in military service as well as a civilian.
If you are new to the CCW scene, don't rush to carry in a certain condition because someone says so. Learn to be proficient, safe and comfortable with your weapon. Take some training courses and learn to safely draw and holster your weapon from a good fitting, professional grade holster that will be comfortable to wear day in and day out. After a while you will know when the time is right to move into a different carry condition and will not feel the least bit uncomfortable wearing your sidearm....in fact, you'll feel naked without it.
This.... Also classes.... I jumped the gun on my first post of chambered. Sorry