I never have a round chambered. Guess its just me.
I can see trading off readiness in exchange for a situation which requires more effort to fire. Having children around might be one such circumstance. If open-carrying, it makes the possibility of someone snatching the weapon a little less of a concern. I've heard of law enforcement officers, who might find themselves loading and clearing several times a day, having problems because the round they repeatedly chamber has the bullet shift in the case.
I recommend that you modify the first of the four safety rules as follows:
Treat every gun as if it is loaded and has a round chambered.
You wouldn't want your practice of not chambering a round to cause you to become complacent when clearing the gun.