Having an empty weapon (carrying one without a round in the chamber is similar to being empty) is completely pointless. In Kentucky all you need to do to carry a loaded handgun is: Don't be a prohibited person (less than 18yro, convicted felon, etc)
In short, carry however you want. As long as it is not concealed then you are not breaking any laws (as long as it isn't in a select few prohibited places). I would suggest carrying a full magazine with the chamber hot. Safety on if your weapon has one.