+1 to Chuck!

"Israeli carry" (empty chamber) is fine if you're constantly moving through marketplaces and condensed masses of humanity where you may have to wrestle for your own firearm, but it sucks horribly most every other time when you may have to draw your SD gun under life-threattening and non-ideal circumstances.

Get yourself a decent holster , don't snag your shirt into the holster when you insert the gun, and get some training.

If you think you have the time to draw, rack, and get a shot off, try running a Tueler drill.

Empty your gun (no, really, double, triple, quadruple check it's empty!!!) then get a friend to run at you (simulating a knife attack) from 10 yards. I guarantee you will hardly clear leather, let alone have time to rack, before he's all over you.