If you ask nicely maybe the bad guy you will let you draw your pistol and cock it. My opinion either carry loaded and ready or not carry at all, pulling the pistol and trying to load it could make the situation worse for you.
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I carry 2 in the chamber.

The only gun I don't chamber is the AR. As for my carry pistol it always is chambered.... because I hear gun work better with bullets in them...
I like your style.I carry 2 in the chamber.
Hah! Same here. My SHTF gun at home is the AR. The mag is loaded but I just need to hit the bolt release and im good to go.
I handle my AR too much to keep a round in the chamber... With that free floating firing pin I dont want it to keep notching my ammo.