I've heard arguments for both and have actually changed my view on this. I was carrying empty for safety reasons and have decided to stop it.
The reason being is that my gun should be ready when I need it. If I have to rack my slide first, that's something that could potentially go wrong. Besides that, I actually have an additional safety in place for my holster setup in this molded trigger cover so it's already pretty safe. It snaps on and off quite solidly.
Fully holstered
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Trigger guard (string goes around belt, guard pops off when you draw)
View attachment 858340
Unfortunately, this won't be useable anymore if I add a light.
What do you do? Empty or chambered?