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Yep, I realize that no round in the chamber may not be the best thing for cops. It’s not the best thing for me either considering how critical the element of surprise is, but having a round in the chamber with the hammer cocked makes me terribly nervous.

It's important you feel confident in your personal carry situation. But...I've had more than a few LEO's advise me to NOT carry without one in the chamber. Things go down so fast, that you may truly not have time to rack it. Further, what if you're other hand was busy warding off an attacker, and you didn't have a spare hand to rack it? None of my 9mm's have a safety. That's the way I want it, so there's no confusion of whether or not I have to disengage a safety. Training is of the upmost importance here (keeping that finger clear of the trigger unless it's go time), and this also comes into play while drawing your weapon (Blackhawk Serpa anyone?). Now, how this child was able to even reach the trigger, yeah, we're not getting the full story here...

Yes, I would agree with those LEO’s. While I am very confident in my shooting skills, at least at the range, I can see that I am not confident in my carrying in public.

I suppose this is why I have never done it or sought a license to do it. Mainly my guns are for home protection and the glove compartment when I go into the city.