I think I am guilty of this as well.... "over thinking" with regard to my Springfield Armory XD(m) 9mm.
With my 1911 Long Slide, keeping one in the chamber, cocked and locked, seems perfectly reasonable... the weapon is just not going to fire until the safety is thumbed down.
The XD(m), OTOH, has the very common striker pin firing arrangement, and while I fully realize that the striker pin shouldn't be able to strike a chambered round without meeting the following two conditions concurrently: a) the trigger safety engaged properly, and b) the backstrap grip safety being properly engaged, still and all.... this arrangement bothers the hell out of me. I think it is the combination of the (raised) chambered round indicator, coupled with the visual proof that the striker pin is cocked and ready..... this combination just bugs me.
I realize this is irrational, and I know the weapon should be "safe" locked and loaded, but.... it still bugs me. To the point that I don't feel like carrying the XD(m).
Dumb, I know... and the Long Slide is obviously sub-optimal to carry concealed; it's a big-ass, heavy chunk of steel.
The correct answer here is for me to simply just get over the XD(m) safety concerns. Wish it were as easy as saying it....