A lot depends on why you're CCWing...I think many posters here (my .02) have a heightened sense of crime and being jumped or suddenly attacked, that's partially because SHTF discussions are forbidden. But there's lots of reasons to CCW sometimes besides perceiving you'rein a war zone...I don't live my life in condition orange, my choice. I've been jumped and dealt with without having to use a gun, I'm lucky, I usually can see something coming, or not go where I shouldn't. I don't CCW to go to WaWa. I just want to be able to stick a gun in my waistband when I want to transport it and not have to separate ammo and weapon in the car, and also carry during the next prolonged power outage or natural disaster.
I keep all my guns unchambered until I'm ready to fire or feel the need becoming imminent. I don't have to worry about practicing with different safety setups. Unless you're LE or military or you've chosen to be in a really bad place, the odds of being suddenly attacked by a determined killer are much less statistically than the safety and existential implications of habitually living life with loaded and cocked mentality everywhere you go.
It's the same "you've got to have every edge possible" mentality. One posts that they occasionally carry unchambered, some folks go nuts, it violates group norms, like admitting using anything less than .40 cal for self-defense rounds, or not using the latest high-tech HP round....
Given the statistics, carrying unchambered is a viable option for most civilians not in hot zone.