It is all about risk management.
I think you make a good point, however, I have always felt this statement, that the sound of a pump being racked, was not a valid SD tool. It might work, but could just as easily be exploited.
My revolver, my most common carry, my go to firearm for part of my home, is secured, and always chambered and ready to go. It is the only firearm I own that is always chambered.
My Glocks on the other hand are not chambered unless they are being carried. Mistakes happen, maybe it goes back to my parents thoughts on how a hunting rifle should not be chambered when it enters a house. I have been conditioned. I see the logic on both sides of the argument, but in the end I would rather have the BG kill me or my family then have my choice of keeping one in the chamber accidentally injure someone I love.
Sounds graphic, like I don't trust myself to responsibily secure a firearm, but that was the desiding factor. Sure it can be argued the other way. That I could take an action to safeguard my family if it were chambered. I just don't feel I'm responsible for the evil other might do because I took this minor choice concerning a critical safety issue.
I do keep the Glocks with a full mag and the trigger pulled back. I would have to rack the slide to put one in the chamber and get trigger into the forward position.
I am concerned how I would react in the middle of a SD situation. Would I have the state of mind to rack one in. Would I have time.
I wrestled with this a bit, and desided that the odds favored not having one in the chamber unless I was actually carrying. If someone breaks into my home, and I did not have time to put one in the chamber, then the odds were already stacked against me. However, walking on the street, the balance shifts, and that moment may make more of a difference.

