Modern pistols are designed to be carried loaded and with a round chambered.
Some will say that they don't feel comfortable carrying with a chambered round because the gun could "go off". This is a training issue. If you don't carry "locked and loaded" for this reason you need to get familiar with your weapon, get comfortable with your weapon, and get some training with your weapon.
If you should need your firearm and it doesn't have a round chambered you may not have the time to get it out of the holster and chamber that round. Your other hand may be busy fending off a threat. Grappeling with an assailant. Even if you do "clear leather" and get ahold of the slide to chamber a round, what happens if, by doing so, you experiance a failure to feed? The gun could jam as you are trying to get it into action and then you are further behind the curve than before.
Look at the websites of some of the top firearms instructors in the US. You won't find a single one teaching students to carry a gun with an empty chamber. IF you do, don't waste your money with them.
Several replies to this thread have stated that the OP should have a retention holster. That is good advice for anyone. A quality holster which holds your gun securely and covers the trigger guard is always a good investment. Don't settle for the cheap, ten dollar, nylon gun condoms found in the sporting goods section of Walmart.
That said, it's only a part of the equation.
A good holster needs a quality belt to hold it steady. This will increase your comfort also. A cheap belt will let your holstered gun flop around and will eventually give you problems.
A quality belt/holster combo are a worthwhile investment but they won't do the job by themselves. You need training. Self defense and retention training can be found at several local gun instructors sites. You are a small female and many ladies don't feel comfortable taking classes with a bunch of guys. No problem. Bearco in Covington teaches women only classes and the VATA Group, a great training resourse on the Northshore, just hosted a class for women. In fact, they were on an episode of Gun Talk TV training some ladies how to shoot...
http://www.youtube.com/watch?v=Mep0GhesRyY&feature=relmfu
You have Lots of top notch instructors in this area teaching these sorts of courses. Find a class and get trained.
Male or female, anyone can benefit from taking retention classes, self defense classes and combat pistol classes. You need to know how to keep someone from getting your gun and if they do, what to do to stay in the fight.
Do you carry a backup gun? How about a knife? Pepper spray? Taser EID? Have you trained with someone in how to deploy those backup weapons in a physical encounter or use them to help retain your sidearm? There are classes to help learn how to use backup weapons such as these.
Some recent classes include
Introduction to Defensive Knife / Defensive Pistol held on Sunday, 20 May 2012, 9:00-5:00 in New Orleans. And it was FREE.
http://www.bayoushooter.com/forums/...o-Defensive-Knife-Defensive-Pistol-FREE-CLASS.
Bearco Training held a 1-Day Combat Focus Shooting Defensive Handgun Course on Saturday, May 12th in Covington, LA
http://www.bayoushooter.com/forums/...ombat-Focus-Defensive-Handgun-Course-05-12-12
Introduction to Basic Gunshot Trauma Treatment and Pistol Gun Fighting on May 26 in Robert, La east of Hammond.
http://www.bayoushooter.com/forums/...-to-Basic-Gunshot-Trauma-Treatment-and-Pistol
In April I took the 2 day Defensive Pistol course taught by Tom Givens of Rangemaster.
When Paul Gomez, the training bum, offered retention/self defense training one afternoon at a park in Baton Rouge I, and a couple of other LOCAL members, made sure to show up to participate.
Here's Tugbodog training on lateral movement with Cat.
Of course I've had training in weapons retention and fighting in my jobs as a Corrections Officer
and even my job as a hospital security officer where I have to attend regular MOAB training.
Someone will ask so I'll answer it now, .... MOAB is Management of Agressive Behavior and involves learning how to use deescalation techniques, verbal judo and other ways to recognise problems and failing that, how to go hands on and restrain someone if necessary.
http://personalsafetytraining.com/pdf/MOAB 8hr. course with managing physical confrontations.pdf
In the first 4-hours of this course you will learn strategies to avoid physical
harm and learn how to recognize and reduce aggressive behavior with state-ofthe-
art principles and techniques. The 4-hour introduction session involves
interactive exercises which increase the retention and skills of the participant.
In the second 4-hours of the course you will how to manage physical
confrontations (chokes, strikes, grabs and weapon threats). Techniques taught
in this course are practical, use reasonable force, are court defensible, and are
easy for most people to grasp. We address the least assertive defenses first and
the more assertive defenses as a last resort.
What I'm trying to get across with this long and convoluted post is that carrying a firearm is a serious responsibility. You need to take every opportunity to learn how to carry that gun safely and confidently. Doing so will put you at less risk of a gun grab. If that should happen you will be better able to deal with the situation.
Get a basic handgun safety class or a CHP class. Build on that by finding a class such as the ones I posted above where you can learn more advanced, realistic skills which will help save your life on the streets.
Carry on. Carry always.