Thanks for all the responses! For what it's worth, I'll probably carry with one chambered.
But I do have to respond to people who say carrying without one chambered is useless... It is a gun! It's not useless just because you can't pull it out and shoot right away. It takes a second or less to rack it. I do understand that when shit hits the fan that one second can be key, but seriously, if you've got a gun on you you're better off than somebody who doesn't - chambered or not. Just my 2 cents. Keep the opinions coming!
Leaving the chamber clear is one step closer to malfunction when you go to rack a round.