Doug,
Most (not all) concealed weapons holsters require a second hand to come into play someplace along the way (either to draw a shirt up or to hold the holster while removing the gun or whatever). With practise, you can rack the slide as you are bringing your gun into service -- just remember to keep your finger off the trigger at all times until you have your target in your sights.
While it may not seem very macho, some military outfits actual require their men (and women) to carry in condition three (hammer down and no bullet in the chamber) and yet they could mostlikely get their gun out of their holster, chamber a round and fire their weapon faster than you or I could even if we had a bullet in the chamber.
As orsogato mentioned, you need to be comfortable with what you are carrying. If you feel uncomfortable with a bullet in the chamber because the gun doesn't have a safety, then carry it without a round in the chamber and practise on how to quickly chamber the round or switch to another gun that makes you more comfortable.
I felt uncomfortable carrying a loaded Kahr MK9 for the same reasons that you mentioned. I originally carried it in condition three and then I had the trigger pull adjusted by a few pounds to where it increased my comfort level to the point where I now can carry it with a round in the chamber and not be worried about it.
Good luck.
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Share what you know, learn what you don't -- FUD.
[This message has been edited by FUD (edited February 21, 2000).]