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When I carry my Kimber 1911, it is off-body in a backpack (in the padded laptop area by itself), so I keep the chamber empty. I resign myself to the fact that if I am directly confronted, I won't be using this firearm anyway. . . at least not immediately. I know it has the grip safety, but I just don't like the idea of having it cocked and locked but semi-free-floating in the backpack.

When I carry one of my Smith & Wesson J-frame revolvers, they are loaded and ready to go. They have internal hammers, so they're DAO. . . point and shoot. There's only five shots, so point carefully.

When I carry my Sig P229, it is chambered and decocked. Point and shoot. If it's in the backpack, I still put it in the IWB holster I have so that the trigger is covered.