Why carry with a round chambered vs. empty? Because I won't give any advantage I don't have to to someone who is a threat to my life or the life of a loved one.
The criminal already has the advantage of chosing the time, timing, method and place of the attack as well as how many assistants he brings along. They are trained in launching an attack up close and with a high level of violence. Not all of them are going to give pre-assaultive behavior that justify your drawing and chambering a round to get ready.
In short, the incident you are involved in may be a "come as you are" event. That's no time to be reaching for a half loaded gun.
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All that is neccessary for evil to triumph is for good men to do nothing.
Edmund Burke
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