well said, surf
i think a distinction needs to be made, however
i would chamber a round if we ever get the right to carry, and i choose to do so
at home, however, i choose not to for reasons i listed previously
i am curious, what other's reasons are for not chambering
it seems like a majority are not chambering, yet i was the only one who listed the reason why
for conversation's sake, i am wondering why everyone else chooses not to chamber
+ 1

I do not put gas in my car only when I am ready to use it.

Time is of the essence.
The following are pretty much standard rules and for those of you in the know, NRA changed their "Loaded gun " rule a while back from "treat all guns as loaded" to it's present form.
There are many variations, and one of them is the Four Rules introduced by Colonel Jeff Cooper (1920), which are:
1.All guns are always loaded.
2.Never let the muzzle cover anything you are not willing to destroy.
3.Keep your finger off the trigger until your sights are on the target.
4.Be sure of your target and what is beyond it.
—Jeff Cooper[1]
The NRA provides a similar set of rules:
1.ALWAYS keep the gun pointed in a safe direction.
2.ALWAYS keep your finger off the trigger until ready to shoot.
3.ALWAYS keep the gun unloaded until ready to use.
—The National Rifle Association, The fundamental NRA rules for safe gun handling[2]
The Canadian Firearms Program uses the concept of The Four Firearm ACTS:
1.Assume every firearm is loaded.
2.Control the muzzle direction at all times.
3.Trigger finger off trigger and out of trigger guard.
4.See that the firearm is unloaded. PROVE it safe.
—Canadian Firearms Centre, The Four ACTS of Firearm Safety[3]
As Surf sez, if you cannot be comfortable with a loaded firearm, you need more training.
For all of those who would not have "one in the tube" at home, would you "carry " that way ?