If one is not trained or prepared to carry a 1911 cocked and locked, than get another pistol, OR train to rack the slide, while under some form of lethal threat, and/ or cock the hammer since it's carried "de-cocked" on a loaded chamber.
With newer style semi-auto's, a Walther PPK/s for example, can be carried with one in the chamber, with the decocker/ safety, on, but will need to be "flipped off" and fired double action.,....or you can find the time to cock it first....
Pistols like the M+P, Glock, no hammer, are carried with one in the chamber all the time. "Booger hook off bang switch" really has to apply.
Level of comfort/training/ etc,... is paramount and individual.
Safety is the first priority.