If the OP is more comfortable caring in condition 3 then there is nothing wrong with that. He has a firearm available should one be needed (better than leaving it in the car). The mentality of always being ready for a gun fight is one of the reasons the anti's think we should be in straight jackets instead of caring weapons on the street. The last time I looked Dodge City was civilized and strapping on a six shooter was not a requirement for picking up a gallon of milk.
Should I find myself going into an area that might be of some risk, loading a round into the chamber would be no problem at all, but until then condition 3 might give some more peace of mind.
I would rather have a gun to defend myself with that can be loaded in less than one second, than be known as looking for a gun fight the second I walk out the door.
What, so everybody that carries with a round chambered is some kind of blood thirsty nut case? Or is it everyone that carries in general? The antis don't really believe in the concept of self defense at all, so why should we care what they think anyway?
If you chamber a round as you enter an area "that might be of some risk", might that not draw a bit of attention?
As for the OP, I suspect that once he has been carrying for a while and becomes more familiar/comfortable with his weapons, carrying fully loaded won't be an issue. As long as you handle your gun safely (which you should do in any condition), there is no advantage to carrying with an empty chamber.