Probably the best question is what are the climate conditions where you carry? While working we daily moved through temperatures ranging from 140 F to upper 60s F. We went to the range at least quarterly, and did ammo changeout on the sidearms then.

Somebody mentioned AC and moving out to hot, humid outside temps, that doesn't help either.

Compulsively loading/unloading semi-autos is a bad habit. Ammo wasn't made to be repeatedly chambered and bullet setback and extractors nibbling on case heads can cause problems. I'm of the load the carry piece and keep it that way until you need it or go to the range group.