Because of the job I have, the people I’m around, my safety has never been on, and I’ve never had one in the chamber/ I know, I know....the cops laugh at that...but I have to have a balance between my safety and those around me. I’ve trained this way, and I know it’s not a popular way to carry. But again, circumstances.....
I don’t see why cops would laugh. They carry with the safety on and one in the chamber as a matter of training. In your case, you are making a conscious choice for an extra level of safety. It could cost you your life in a split second situation, or save your life or the life of another if someone grabbed your gun and you were able to drop the clip before the guy could fire. But it is not a WRONG way to carry.
I used to keep my bedside gun with the magazine in the well but no round in the chamber. It made "safing" the gun easy in the morning. Just take out the mag and lock it up. Then one night I awoke to find an intruder standing at the foot of my bed. I grabbed my gun and racked the slide. The intruder ran off.
I realized afterwards that racking the slide took extra time that I might have needed. Moreover, had the intruder grappled with me, I wouldn't have had a free hand to rack the slide. From then on my gun was loaded with a round in the chamber and the safety on. "Safing" it in the morning was a little more tedious, but that gun was ready for use, one-handed, if I ever found myself under attack again.
I strongly recommend having your bedside gun ready to use, without any extra movements needed. Especially anything that would require two hands. In a pinch, your off hand may be busy warding off the attacker, and not available for racking the slide.
You need to go get a Sig 226 and run one in the tube. I carry the Springfield Armory XDM-40 with one in the tube at all times. I don’t have the extra second or two to rack a weapon. I have CCL now for five years and never had to pull but if I do I have 17 ready to rock and roll.
Roger that what ever works for you, but you better be quick.