Carry your gun in the condition (ie: loaded chamber or unloaded chamber) you want it to be in in the event you're suddenly and violently attacked. If that means an unloaded chamber, good luck.
The likely hood that I will be suddenly and violently attacked, is small. Will I survive that first attack, maybe. Will I be able to access my gun, maybe.
It's for sure not a great solution, but neither is being attacked suddenly and violently.