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Always, .45 XDs.
If you get used to carrying without a round in the chamber, what happens when a scenario turns real. You might freeze and then remember you have to rack the slide back. In that split second you or someone else could have been shot.
The big thing that I see here is people underestimate others. Most shootings are from people who do not understand firearms as much as military/law enforcement but the day might come where it is an ex-military/leo that starts shooting who can be better trained with his firearm than you. And in that split second that you have to rack the slide back it could all be over.
In conclusion, I always have a round in the chamber. Trust in the gun, trust in your holster, and trust in yourself. And practice (shooting, drawing, putting back into your holster.)
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