I won’t say who, but I know a guy...who keeps a Glock at home near his nightstand. He won’t cock it because, in the off chance a kid came into the house (which they don’t...but its possible) he doesn’t want that kid to find the gun and shoot somebody. I figure if I heard, er, I mean my friend heard.... someone break-in to my (er his) house...he’d have time to cock the thing anyway.
I can see thought, in a PROPERLY HOLSTERED GUN, WITH PROPER TRAINING, on your person....a chambered round is preferable.
Apparently this guy didn’t have his gun holstered...
For a long time I carried empty chamber. Whether strong hand or weak hand, I saw no discernible difference between time on target or accuracy compared to chambered. (I am a proponent of weak side carry, but that is OT).
When one is unable to use both hands, it is possible to rack against the side of the leg (no finger on trigger, please), but not optimal.
However, I began to envision too many scenarios where it was inadequate to surmise that I would always be able to have both hands free, and switched to chambered carry. Carrying while driving was always an issue the other way (btw - left hip carry is better in that case, too). It took a while to get over prior conditioning, but it stuck.
IMO, for a civilian, the most likely threat is one that requires a quick response, and may require the other hand for clearing space around you, a slightly different threat than the one facing someone on patrol, where it often is more prudent to have an empty chamber unless otherwise instructed.
Around the house, there is a one step to fire rule which all adults are aware of, and conditioned for. If the chamber is full, the safety is on, and the weapon out of reach/sight of little folks. If empty, the safety is off. This allows for quick visual assessment (though one may still wish to verify the chamber).
Occasionally, I forget to take the safety off once the holstered weapon is securely in place, but this is more easily correctable than several other possibilities related to my forgetfulness.