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Well, let me chime in now too. I have carried cocked and locked with several different weapons. I prefer and recommend it as safe and efficient. However, the first rule I espouse is for you to have the freedom to do it your way. If you do not feel comfortable C&L for any reason, don't do it.

I have had the experience of also carrying a .45 loaded with no round in the chamber. I did this for several years as an MP, where the Army doesn't allow C&L. I never felt comfortable that way with the extra time we needed to chamber a round but we did practice many different draws where we racked the slide as part of the draw.

As others have mentioned, the problem is going to be that you may not have the time or room to do so. Consider what your response will be when a BG is at arm's length and points a knife at your stomach and asks for your money. You might be able to draw and fire a C&L pistol or a double action revolver but you won't be able to chamber a round.

For this reason, I would recommend looking at a different gun for daily carry. Consider a revolver where you might feel safe with six rounds. If you do not, like a round under the chamber in that, at least a double action revolver is still ready to fire when the chamber under the hammer is empty (the double action does rotate the next round in to fire).

As for the point about brandishing, I think TXInvestigator has it right. The laws on pointing a gun at someone apply to all of us equally, LEO or not. I know that there is always the possibility for you to be charged with failure to conceal if the officer disagrees with your reason for the threat, but I think if it was anything reasonable, you would be okay. Not pointing a gun for flipping you off, but even the LEO would get charged for that.