It is perfectly safe to carry one in the chamber. The firing pin safety blocks the firing pin unless the trigger is moved to the rear causing the trigger bar to lift the firing pin safety out of the way.
If something, like your finger, presses the trigger safety and moves the trigger sufficiently rearward, it will do what it is designed to do and fire the chambered round. Keeping your finger off the trigger until ready to shoot will prevent you from doing that. Safely holstering the firearm in an appropriately designed holster will prevent foreign objects from doing that.
A friend of mine has a saying that goes something like this: Carrying a firearm with an empty chamber is carrying an ammo storage device.
If something, like your finger, presses the trigger safety and moves the trigger sufficiently rearward, it will do what it is designed to do and fire the chambered round. Keeping your finger off the trigger until ready to shoot will prevent you from doing that. Safely holstering the firearm in an appropriately designed holster will prevent foreign objects from doing that.
A friend of mine has a saying that goes something like this: Carrying a firearm with an empty chamber is carrying an ammo storage device.



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