I don't yet carry but when i am ready i will train to carry with my MP loaded and chambered. I realize life isnt an action movie, and i dont expect in a situation I could calmly draw my firearm, rack it, etc all the while getting ready to defend myself. If i am going to carry, it will be with the training and planning that i am fully loaded and any situation that may arise could require a split second reaction. And that is what I will make sure i'd want to be ready for (of course as ready as one could be anyway).
As for triggers, i wont touch my MP's. I am fine with what they came with, for me I see no reason to modify anything.
just my .02