Flattop5, You're talking about carrying in Condition #3. I carry a Kimber Micro in a "sticky holster" in condition #1 in my pocket. You would be oaky without a holster as long as you were absolutely sure it was in condition #3. Don't carry it in condition #0,#1 or #2 without a holster.
If you want to carry it with a round in the chamber get a good holster my friend. Guns don't go boom without a round in the chamber. Keep in mind if you ever need to draw your firearm in a "self defense" situation you probably wont have time to rack the slide.