re: One in the chamber or not?

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What I normally suggest to someone that is not comfortable with keeping a round in the chamber on a semi-auto is maybe re-evaluating your carry sidearm and opt for a revolver.

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In a real life, SHTF situation, there is only condition 1 and condition 0.

You ever been pulled over with that setup? I had mine in the seat between the center console and seat in a holster. Much more accessible but I worry about getting pulled over and making an officer uneasy. I do the keys wallet and insurance on the dash, and hands on the wheel, but I still don't want to be pulled out of my vehicle even though I don't have anything to hide. Just curious if you had a police react one way or another to it.

One in the chamber is the difference between a gun ready to defend yourself with and a heavy paperweight.

Yes he is correct.

Not sure why you would have your handgun concealed in you’re waist band while in car. That is a recipe for disaster.

Not sure on the trigger you have, but many like the Glock have a built in safety in the trigger, requiring it to be fully pulled to fire weapon. Now the Glock does not have a manual safety which some do not like, but if you are proficient in handling your weapon, last thing I would want to worry about is making sure the safety is off when i am in a stressful panic situation having to draw my weapon. The less steps you need to do to fire your weapon safely and effectively the better IMHO.

With that said, if you are going to be carrying, you need to always have trigger awareness and PRACTICE. Not just practice shooting, but like the instructor told you....practice drawing your weapon from various potential scenarios.

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I do not keep a live round in the chamber. I have small kids

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You would be miles ahead to teach you kids gun safety and allow them to shoot guns. Mine have been shooting rifles and pistols since they were 4 or 5. It takes all of the curiosity out of it. My kids don't even bat an eye at a gun now. I feel much safer knowing they know what it does than having them accidentally getting their hands on a gun and thinking its a toy

All weapons should be hot when carrying. Period. Also, your vehicle weapon shouldn’t be your conceal carry weapon. One, why limit your offensive capacity if it isn’t needed. Carry a full size pistol in the vehicle and have it ready and within reach. The image above with the weapon mounted on the center console is a good example. Remember to tuck the weapon away in the center console or glove box when existing the vehicle, if it can be seen from outside. Your just asking to have to window broken and weapon stolen of you leave it in sight. Keep your concealed weapon on your person when you leave the house and never take it off until safely back inside. Get used to it being on your person constantly. Practice as much as possible drawing and engaging targets with the weapon. Take a tactical shooting class. Concealable weapons typically are not fun to shoot, I get it, but it must be an extension of your body...practice, practice, practice.

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full clip

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clip

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live round ready to fire concerns me as unsafe. Should I be? Statistically, is this even an issue I should be concerned with?

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I had the same concern. I carried on an empty chamber for a few weeks. I got over it pretty quickly. Do whatever you think is the best for you.

One in the chamber. Basic firearms training teaches you to keep your index finger pointed forward holding the pistol and off the trigger. I have a P365 with a thumb safety so one in the chamber is safe. If you have a pistol with safety, train yourself flipping the safety off while you’re drawing.