I'm sure you've found Utah Code 76-10-505, where it says a person can't carry a loaded gun. Of course that prohibits a cartridge in the firing position (in the chamber), and where one action (like pulling the trigger) would make the gun fire.
But then look at 76-10-523 (2), where it says that a person with a Concealed Firearms Permit is exempt from 76-10-505.
Note also that the exemption is also for 76-10-504 (1) and (2), which means that the firearm can be concealed if you have the permit. But the law doesn't say it HAS TO BE concealed, just that concealed is an option with the permit.
Hope this helps.