If the only gun you have to carry is one that is not "drop safe" -- i.e., it is capable of "inertia fire" if dropped or struck sharply front or back -- I'd recommend condition three carry (full magazine, empty chamber).
If one is simply uncomfortable with a round chambered in an auto, I'd be inclined to recommend going to a double action revolver. If the gun is needed, my feeling is that five or six rounds RIGHT NOW beats fifteen or so rounds a second or two from now.
Personally, I carry drop-safe autos with a round in the chamber. However, it's a contentious topic with credentialed voices on either side of the issue, as a search in the Concealed Carry section here at GT will support.