The answer is that "it depends"
For me, my carry pistol always has a round in the chamber. I have complete control of it at all times and may require draw and shoot immediately.
My nightstand pistol always has a round in it, as does the gun in my desk drawer. It may require that I grab it and shoot it immediately.
I also feel safe that my handguns have "drop safeties" and won't discharge if they fall onto the ground whereas my rifles and shotguns offer no such safety.
My other guns in my home are either completely unloaded and locked up or need to be racked to put a bullet in the chamber, but also locked up. Here are some reasons for this.
My rifles are stored in my safe pointing UP. As I draw them from the safe, the barrel is pointing squarely at my HEAD. I'm not comfortable keeping a round in the chamber for that reason. Something may snag the trigger, safeties may fail, it might slip from my grasp and fall, etc. It's too costly of an accident waiting to happen, especially if I'm in a hurry and tug on the shotgun or AR to quickly get it from the safe. I know they aren't loaded and it takes only a moment to rack them. I won't be clearing my home anyway, so it will be a defensive barricade position, in my room with the gun trained on the door. Plenty of time to rack the round.
If you don't have a safe, another reason to not keep a loaded chamber is curious people. Another reason is maybe the gun falls over (maybe the dog knocks against it, or there's an earthquake, whatever) and the firing pin slams against the primer. BOOM. I don't believe that military style rifles and shotguns have pistol style firing pin/striker blockers. 'nuff said.
Another reason is a theory of an unlikely event. Lets suppose you don't have a safe and have an AR laying around with a loaded chamber. Could a housefire cook off the round in the chamber? Could it continue to shoot as each successive round was ejected and chambered? I have no idea. But I suppose it's possible.
I vote that the racking sound is a detriment, not a benefit. For that reason I vote not to "chachunk" but for the reasons above. Of course I'd have to for my HD shotgun, but it would be an immediate action after drawing the firearm, not a "signal" of intent like Hollywood portrays. If I'm using a shotgun, there won't be a warning.