Never draw with a semi-auto on a person with a revolver or a round in the chamber. They have a time advantage you do not want to deal with. Love you dear.
Never say never. It all depends on circumstances. You always have an option to do what you think is best under that situation. The person who never practices has to realize their limitations. The person who practices all the time has to consider if drawing possibly losing is worth it.
The people who advocate an unchambered semiautomatic have to realize there are those who are very comfortable with a ready to go firearm. Those that advocate a chambered round have to understand not everyone is at their skill level.
My carry guns are all chambered. My house shotguns have a shell half in the chamber in case a visiting child gets curious.