Having said all that--I'm not sure what the purpose of CCW is if you don't have one in the well ready to go.
First off, the purpose of concealed carry is to allow you carry the weapon
concealed. Not to be able to win a fast draw contest, but to have the weapon ON YOU, without others knowing it. Sure, it is useful to be able to draw and fire in one motion, but its not a requirement, and while a CCW with an empty chamber might not be
as useful, it is not useless.
Also, your choice of terms gives you away. The "well" to me says MAG WELL, meaning in the magazine, not in the chamber (often referred to as one in the pipe)
As to open bolt handguns, they exist, and you could get one, fairly cheap, up until the early 80s. IIRC the original Cobray M11/9 (open bolt 9mm), was essentially a semi copy of the MAC 10 SMG design. Was either $169 or $189 back in those days. Then the ATF decided that they (meaning all open bolt handguns) were "too easy" to convert to full auto. For various reasons (I suspect the main one being a desire to stay in business) these open bolt semi handguns were redesigned to operate from the closed bolt.
Last time I saw one for sale in person was some time ago, and the <$200 handgun of a few years before was $850 and climbing.
As I read the discussion, it seems that some folks cannot wrap their minds around the fact that a gun with an empty chamber can be loaded. IT ABSOLUTELY CAN. It isn't dangerous with an empty chamber, but it CERTAINLY IS LOADED.
leaving aside the military usage or the arcane laws that can make a gun legally loaded even with no ammo in it, just look at the common everyday use of terms. We LOAD our guns, then chamber a round. The gun is LOADED BEFORE a round is chambered.
OR look at any revolver. Empty chamber in line with the barrel (or fired case), the rest of the cylinder full of live ammo. Would you say it is not loaded??? No one I know would. Nor, I think, would any court, anywhere.
A gun with an empty chamber and rounds in the cylinder or magazine is not a danger of AD or ND (without further human action) but it IS LOADED.
Perhaps you can get this analogy;
All ostriches are birds, but all birds are not ostriches.
And if you think a gun with ammo in it isn't loaded, you are sticking your head in the sand, too.