I am a newbie with a Glock 19 and I have a question for the group. I have a CCP and a Blackhawk Serpa holster. I am familiar with the safe operation of the Glock and the use of my index finger to remove the pistol from the Serpa holster. I also know that you never place your finger on the trigger until you have your target in the sights. Here is my question: do most of you(civilians) keep a round in the chamber when you carry? Some may say what good is a gun if it is not loaded? I can quickly chamber a round if I hear someone inside my house, but what if I am out in public? Case in point, just two days ago a man entered a bar in my state with an assault rifle and began firing. A total of 17 people were shot, but thankfully no fatalities. Had I been there or some other person with a concealed weapon, things may have been different. I know a concealed weapon has the advantage of surprise to the bad guy but what if he hears you chamber a round? My gut tells me to keep a round chambered, but I am reluctant to walk around with a loaded weapon. Thanks for your advice to a newbie.