I don't know if anyone has said it in this thread yet, but I carry with one in the chamber.
In all seriousness though, it did take me awhile to work up to that. I carried my pistol in a good quality holster, condition 3. It took me a bit to trust that my gun simply could not just 'go off' by itself setting in my holster. Something had to happen to the gun, some manipulation of the trigger and not just everyday activity. It felt very weird, like I was planning on picking a fight with a total stranger, when I racked that round in there and holstered it for my day out. But, no cops were called, no trumpets sounded and no alarms went off and everybody lived another day. It is a mechanical device and understanding how it works is an important part of having the proper understanding or mindset about carrying hot.
I do carry everywhere I am able because I do believe that danger doesn't exactly give a big fog horn sounding call to announce it's arrival. There were several situations that made me think of 'what if...' and it got me more and more geared up to carry Condition 1, but it was a simple walk in the neighborhood that finally did it. I was walking my usual route, carrying my G26 I think, enjoying the weather when out of nowhere I was charged by a dog. Not a knife-wielding maniac or members of some terrorist cell but a 70 or 80 pound dog. He was on my left side (weak/support side) and would have probably taken my left arm or what I would have used to fend it off while trying to draw my gun. I never would have been able to rack that slide in a simple situation like that, with a dog slobbering, biting and jerking on my arm... it does sound simple and thank God for electric fences but it was a real world situation, an honest to goodness thing that happened NOT even closely related to a SHTF scenario that gave me enough pause, even justification, to actually start carrying that way. That was many years, many matches and many many thousands and thousands of rounds ago .
And just so I can add some statistics to my post, I do carry everywhere I am able, even at home because 100% of home invasions occur in the home.