Welcome to OCDO.
Why would you carry a hammer for self defense? And especially one that required you to go through a background check and (for you Okies) a government permission slip?
An unloaded handgun (and none in the chamber is unloaded, as far as I'm concerned) is merely a very expensive and very short club. Not very effective or efficient.
Why are you considering carrying a gun without one in the chamber?
BTW - this issue has been discussed before. Sometimes it is good to try and use the search function even though it is, at best, clunky and awkward.