Welcome to the new member and this is an intersting thread. I am one of the few who carries with an empty chamber, although I do not have kids or grandkids to justify this concern.
For me, I live in such a sparsely located state in the northern New England woods, the need to carry with a round in the chamber is less acute. Were I to live in a more populous state; Texas, Florida, NC, et. al., I would probably carry with a loaded chamber.