[SampleMan]

He seems to say that there should be a cartridge in the chamber at all times. “One in the spout” may be fine and necessary when facing a high probability of encountering a criminal, but, given the normal low probability of that, isn’t it a little too much for everyday use?

I suppose for 9,999 days out of 10,000 you are perfectly OK to carry the gun completely unloaded (everyday use). What is really tough is determining when that other day is going to occur.

[expat2]

Completely unloaded to me, and the law, is neither a round in the chamber nor a loaded magazine inserted. I am not advocating the latter, that would be dumb.