So you can draw, chamber a round, get on target and fire in the same amount of time as drawing, aiming and firing?
Aw crap - I meant "it's not just an advantage to leave a round in the chamber, but its actually leaving your kids in unnecessary danger not to do so".
Wow - I left out like one or two words, and it totally changed what I was saying. Typing from a phone is hard.
Seeing as how you cost yourself time when chambering a round, I would never carry (while protecting not only myself, but my family) without a round in the chamber.
Have you looked at a H&K USPC? i can't remember what trigger version it is, but they have one that is DA/SA with a decocker/safety lever that can be moved to either side or both. They have a hammer and a safety and a FP block.
The USP is possibly the safest handgun ever made - its trigger-pull is well over 3 miles long and at a pull-weight of just over that of what the velociraptor can produce with its jaws (you'll have no problems if you're a proctologist anywhere in southeast asia).