The only semi I carry is the M&P .380 and I've never used the safety (too difficult for a leftie) and always carry a round chambered. When we transitioned from the .38 to the Glock (no safety) our training was to always have a round chambered. I've "been there" and can guarantee you will not have time to chamber a round in an emergency, nor can you be sure to have the use of both hands when and if the time ever comes. My advise, for what it's worth, is to carry a revolver if you are not comfortable with a round chambered in your semi auto.

For anyone who wants to go to the trouble there is a lot of info on Youtube about carrying a gun w/o a round in the chamber. Very instructive.

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Old Cop
LEO (Ret.)