With a toddler in the house I largely stopped carrying my Glocks with one in chamber (after carrying this way my entire life) - flame on, but the odd are vastly greater of an accident at home than me getting jumped and needing those extra few seconds to rack. I will chamber when I am in a situation where it makes sense (going out at night).

With that said, I've carrying my 642 a lot lately due to one always ready yet the pull weight is over 10 pounds.