If the gun employs a trigger safety only, I will not carry with a round in the chamber, because a trigger safety does not do what I want a safety to do.
I've seen too many AD/ND incidents resulting from combined movement + holster issues, and or an external object resulting in AD/ND.
I have no need for everyday carry in what is effectively condition 0 on some weapons.
If there is a separate safety I feel a bit better about it, but still wont do it unless I'm walking into some kind of known hot zone which as a civilian I enjoy the position of being able to avoid known trouble.
I'm 1000% better prepared for trouble than the next guy, and my old school grandpa inspired ways keep myself family and friends out of trouble and safe. I've walked around in condition 0 exactly twice in my life, but one of those two times was a week in duration.