> I would recommend you take an entry level CCW class.
I had to take one to get my Texas License To Carry (at the time a concealed carry license). I don't know what they teach in other states, but Texas has strict regulations on when and how to use deadly force. Including when to point a gun at someone.
Basically, not having a round chambered means you're too late to do anything with that gun other than use it an expensive blunt instrument -- or -- be possibly charged for brandishing/intimidation. Either you are being approached/charged at and are in immediate danger of bodily harm or you are not. If you are, you better have a loaded round ready to discharge.
Ofc, there is also the use of deadly force to protect the immediate and active threat to personal property. No real immediate need to have one loaded here. However, I don't think people carry because they are waiting to shoot someone trying to steal their car or other property under the Castle Doctrine. Which if someone is willing to kill another who is stealing their parked empty car, there are bigger talks to have other than if they are carrying with a load round or not. I don't usually keep a round chambered at home, my siblings have offspring that come around and even though it's a bit of a family tradition to learn to learn gun safety and shooting before age 10 -- I still don't care for the thought of a fully loaded gun not in my immediate possession.