If you have a gun with you, what is it for that you WOULDN’T have one chambered?
A walking stick? A decoration? Something to make you look manly (an “accessory”)?
There’s a deer. Wait I have to chamber.. lots of movement, noise, CLICK, CLACK, CLICK, now where did he go?
A bear is CHARGING, let me just....UGH! HELP, HELP, HELP, gurgle, gurgle, gurgle. Silence.
Lots of people carry guns for hunting. Many of them see no reason to carry with a chamber loaded, because they worry about negligent discharges. They never expect to have to use the gun for defense of self and others.