Depends on if you are planning to drop your pistol, yes?
Actually, I think the answer, “whatever you are comfortable with” should work for most or all.
As for me, Semi-auto is SA-DA with a decocker. So on in the chamber that goes off with a double action looong trigger pull of the trigger. Which with practice can be compensated for.
Carrying a revolver? Fully loaded IF it has a modern transfer bar and none under the hammer if it is one of the older ones. And the older style single action? NEVER EVER have a live one under the hammer.
But that is just me.
A properly designed modern firearm CANNOT fire just because it was dropped.
Been carrying for 35 years and always keep one chambered. I suggest you only carry quality with built in safety mechanisms.
Depends on the pistol. Most modern guns have features that make a drop-induced firing pretty slim.
I carry with one in the tube as does my wife. Hers has a safety, my carry pieces do not - they have the really awkward long trigger pull and when cocked, the firing pin spring is under very light tension and there is a gate that prevents it from making contact with the round. Pulling the trigger turns a cam that fully tensions the firing pin and finally removes the gate from the path.
The only reason I don't keep one chambered in my 1911 is to save spring pressure - it's 101 years old and I treat it "special".