Women face some unique challenges with concealed carry. Concerns about accidental discharge cause many to choose to carry without a round chambered. My Ruger doesn’t have a safety, so I choose not to have a live round in the chamber. I practice drawing and racking my weapon. Sure, it will take another second after drawing to be able to protect myself, but I have the element of surprise on my side. Most perps would never dream that their female victim might be armed or have the guts to actually fight back.
Not only does it take time to rack the gun, it requires both hands. Glocks do not have a manual safety. Mine has a round in the chamber at all times. The holster protects the trigger, and I never unholster it while wearing it. My Ruger doesn’t have a safety either, but it does have a de-cocker. I leave it racked as well, but with the hammer down, requiring a double action pull on the first shot.
Please contract with a professional firearms and self defense instructor. Carrying a properly holstered safe action type or modern DA/DAO handgun with a round chambered is very safe- holster and finger add two more layers of safety to the internals. Trust me, a modern handgun won’t fire by itself.
As previously mentioned, actuating the slide to chamber a round under stress becomes a major bottleneck in the self defense paradigm. I believe you owe it to yourself and those you carry for to be fully prepared and ready to defend yourself w/o fear of the gun. You are the weapon, the gun is only a tool to make it work well.
Great that you carry and are thinking.