One in the chamber always. Now, I'm not saying to leave it laying around the house in such condition if there's a chance of children getting a hold to it. But back to the question, if you ever need that gun, chances are better than good that it will be a surprise moment and there won't be no time to chamber a round. That's also the reason I refuse to carry any pistol with a manual safety because in the heat of the moment, the only thing you need to be worrying about is pulling the trigger on target.