If you do not have a permit, you can't have a round in line with the barrel, nor the next chamber that is going to come in line with the barrel. "Loaded" in Utah means 1 action to fire. So with a revolver (modern revolver) if you pull the trigger it is going to turn the cylinder and fire that round. Hence not being able to carry with one in the next chamber. For a pistol (semi auto) you cannot have one in the chamber, but you can have a full magazine to be "unloaded". So if you pull the trigger, it's not going to fire. --Semi auto.... 1. rack the slide, 2. pull the trigger (that is your two actions). Revolver-- Pull the trigger twice to fire.
If you have a permit id doesn't matter, you can carry loaded or unloaded. I hope this helps.
edit- here is the law:
76-10-502. When weapon deemed loaded.
(1) For the purpose of this chapter, any pistol, revolver, shotgun, rifle, or other weapon described in this part shall be deemed to be loaded when there is an unexpended cartridge, shell, or projectile in the firing position.
(2) Pistols and revolvers shall also be deemed to be loaded when an unexpended cartridge, shell, or projectile is in a position whereby the manual operation of any mechanism once would cause the unexpended cartridge, shell, or projectile to be fired.
(3) A muzzle loading firearm shall be deemed to be loaded when it is capped or primed and has a powder charge and ball or shot in the barrel or cylinders.