It wears on me that I am relying on a manufacturer of guns to tell me it is safe to carry this loaded, chambered, striker fired, gun, on my person. This is basic buyer beware type behavior, and since I cannot prove to myself that I am 100% safe in doing this, I choose to carry unchambered.
There are also "oopsie" moments, etc.
The way I carry, neither of those cases will happen to me, and like someone above said, I still am carrying, if not with immediate availability