I do not keep a round chambered in my Glock unless I am in a known zone of danger, or feel myself at an elevated risk. Rarely does either happen.
Out of curiosity, what determines these factors for you?
For me, I always have a round chambered, as I feel any 'safe' situation could be 'unsafe' in the blink of an eye.
I'm not talking about being at a family member's house, or someplace where carrying isn't needed, but when I'm carrying, I always have it loaded.
The only thing I might change is if I have the manual safety/decocker engaged, or if it's ready to fire, since my 5906 is a DA/SA pistol.
I don't walk around paranoid, thinking the worst is going to happen, but I feel if it does happen, even in a safe place like a grocery store, I don't want to think about racking the slide to load a round.
mir