I carry my 24/7 Pro DS with one in the chamber, cocked and the safety on. I like a SA trigger. I guess I could carry it with one in the chamber decocked and the safety off, but that isn't the way I like it.
My Bersa Thunder I carry with one in the chamber decocked or hammer down, and the safety off.
When the wife's license comes back she will carry her G19 with one in the chamber. Since there isn't any decocker or safety on it, there really isn't any other option.