So's mine, except when I'm cleaning it, dry firing, or otherwise working on it.
I check it before it goes in the holster to verify I've not forgotten to re-load it. Blessed are those who've carried for 15 years, as I have, and not at some point in all those years discovered they've been walking around with an unloaded gun. Yep, I'm a chamber checker.
I don't have any guns with one. Besides I know all of mine are loaded. The only time mine aren't is when they are being cleaned. On me or in the safe there is a full load +1 for the semi-autos.