Well, the voting is overwhelmingly for a round in the chamber at all times. But personally I think that is only good practice with double-action, unless of course one is in a potentially tight spot.
Who was the athlete who had his gone go off in a bar while in his pocket or holster?
IIRC, the athlete in question had the pistol stuck in his belt (no holster), it fell out (supposedly), and fired on impact with the ground (supposedly).
You can take the thug out of the ghetto, but you can't take the ghetto out of the thug.
Carry a quality pistol in a quality holster, and things like this become vanishingly unlikely.