should your gun be chambered and safety off during concealed carry?

[MikeBjerum]

I'm personally a fan of "cocked and locked", but it becomes a matter for each individual to decide.  

Not really.  There is still the personal safety issue.  While the gun must be loaded to be worth carrying, if there is a safety it MUST be used.  If you can't manipulate a safety under stress you are not practicing enough, but it does not justify leaving the safety off.  For guns without a safety, like most revolvers and pocket pistols, they are designed to be safe and must still be carried in a holster that protects the trigger.

Individual decisions are made when the gun is purchased, and after that the tool is used as designed.  John M. Browning believed in cocked and locked, he designed his gun that way, it is still made that way, and that is how I carry it!