The balance between safety and security when it comes to concealed carry is addressed by pro shooter Jerry Miculek, with demonstrations for effect.
In the above video, Miculek, who shoots for Smith & Wesson and others, covers the topic of carrying a handgun with or without a round in the chamber. For many, it comes down to the opinion that walking about with a loaded mag but an empty chamber can add a second or two to your draw time.
In the end (spoiler) having to rack the slide to load a round adds 6/10th of a second to Miculek’s draw time. The noted speed-shooter points out that, “If I had my pistol in my hands and you give me 6/10ths of a second I’m gonna put a few holes in you,” going on to say that in such an instance, “it is better to give than to receive.”
Of course, your mileage may vary.