And up until recently anyways, Colt's Series 80 and 90 pistol manuals stated, "ALWAYS KEEP AND CARRY YOUR PISTOL EMPTY, WITH THE HAMMER FORWARD EXCEPT WHEN YOU INTEND TO SHOOT."
In fact, a quick look online at your Springfield XD manual also says, "Always keep and carry your firearm with an empty chamber until you intend to shoot..."
Do you carry yours with nothing in the chamber?
No, but then again my manufacturer doesn’t see the need as so important that they’re fitting decockers to the new ones.