Depending on the day:

DAO semi with no safety - chamber loaded.
DA/SA semi with safety - chamber loaded, safety off
DAO, internal hammer revolver, no safety - chamber loaded

Do you see the pattern? Each of these was designed to be carried safely with the chamber loaded. Each uses the same procedure for a first shot: a long, relatively heavy but smooth trigger pull. Each has one or more properly fitting holsters.

With SA autos and older pattern SA revolvers this is a very relevant question. I could play devil's advocate, stir the pot and suggest it may be a relevant question for those who carry striker-fired autos also (but I won't). With modern DA/SA and DAO autos and DA or DAO revolvers I can't think of a good reason for an empty chamber under normal circumstances.

__________________
I need ammo, not a ride.