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Kimber when carried is cocked and locked
Glock 36 always chambered.
If you are trying to decide, try this. Make sure your weapon is empty, clip out. Have a good friend or family member stand 10 yards away, face 90 deg from their position, holster your weapon. Have them yell go, and start running toward you. If they touch you before you can draw, rack the slide, and ready to fire, you just got stabbed.
My wife and I have this conversation often, she has a colt mustang and is not comfortable carrying cocked and locked. She is starting to come around now because she has carried for 2 years with a empty chamber, hammer cocked, safety on. She has never seen the safety accidentally pushed to off in the day to day actiities.