If OC is legal without a CCW one in the chamber is the only way you can protect yourself. The bad guy is not going to let you chamber and fire. To OC without one in the chamber (In my opinon) is not a safe thing to do, if you have to pull and use it, you are probaly dead meat. You cannot OC some place where OC is not legal or CCW is required, even unloaded. Soem may say it is(?) but uinless you have th edeep pockets to hire a lawyer... not a good idea.
OC where legal and one in the chamber. You are defending your life, not playing games.