To address the is it safe issue. Barring a mechanical malfunction the gun itself is safe with a round in the chamber. A round in the chamber ready to go is the recommended way to carry any firearm for personal protection. Think about how long it may take you to draw versus the time it would take a potential aggressor to cover 21 feet. The difference, if you practice, is less than a quarter of a second. If you also have to chamber a round you have lost that quarter of a second. Are there people who practice enough that they may not lose the quarter of a second? I'm sure there are, but most people lose.
On the holster. I am not aware that any state regulates the type of holster or carry method. You are typically free to select the method that suits you the best.
The question really becomes, are you competent and comfortable enough with your firearm to safely carry IWB with a round in the chamber?
I would recommend that you contact a local gun store and find a concealed carry class to attend in your area. You may well know how to shoot, but most of these classes will offer invaluble information on laws in your area and the process for concealed carry applications. Even though I am a firearms instructor and have been shooting a long time, I always attend a class in my area before getting my permit. I say that because I tend to move fairly often. I have found the classes to provide good information even though by law I am not required to attend them due to my previous certifications.
I carry my XD9 IWB with one in the tube. If I need it to go bang, then I need it to go bang right now. Not a few seconds from now. It is completely safe to carry in this condition as long as you follow the rules of gun safety. My XD is NOT going to fire a round unless I specifically pull that trigger.
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