Just remember, NO military formation in any country, on any continent authorized "cocked and locked" carry of 1911s or FN Hi-powers. Indeed, you were punished if caught carrying a round in the chamber.
It was quite common for armies on both sides during WWII to train their soldiers to carry a pistol on an empty chamber. The U.S. Army Field Manual for the 1911A1 pistol from 1940 reinforces this idea. On Page 19, the manual recommends that, “In campaign, when early use of the pistol is not foreseen, it should be carried with a fully loaded magazine in the socket, chamber empty, hammer down.”
This is true, but stop and reflect for just a moment, WHY the military would have such a rule? Yes, it is for "safety" but its not for safe carry, it has nothing to do with the mechanical safety of the gun. IT's a rule for the general safety of the military.
While the "official" reason is "Safety" the real reason is safety, in the hands of the un/undertrained young men who carry the weapons. And a portion of those young men WILL do stupid things, sometimes intentionally, in the absence of "adult" (NCO, usually) supervision. IT happens. Been there, done that, personally experienced it.
Also remember that 99%+ of the time these young men are carrying the weapon they are not in actual combat. Never heard of a case, anywhere, where some soldier got in trouble for putting a round in the chamber when someone was actually shooting at him, or immediately likely to...
Its the rest of the time the arm is carried where the regulation applies, and its there so that there is a regulation, both to reduce the likilhood of stupid mistakes and "playing" with the gun, and also to give the military a legal "club" to beat the solider with when/if he breaks the rule.
The military has tons of rules & regulations that COULD be used in civilian life, and aren't, simply because they don't apply well, or at all. Using military regulations as an illustration is fine. Using them as a personal preference is your business.
Requiring them to be used by private citizens in the wide range of situations that civilians encounter is...suboptimal... (and in some cases, stupid, IMNHO
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Also, consider this, nearly ALL the manuals from all the gumakers, all say not to load the chamber until you are ready to shoot. ITs boiler plate protection for the makers, and while possible and even sound advice in some cases, many, many people don't do it, for reasons they consider valid, good and proper.