The answer to this question depends on you. Personally, I don't have any firearms that are loaded without a round in the chamber. Some people feel leaving a round out of the chamber for a home defense weapon will make it safer if they have children, etc.. I disagree with this train of thought and suggest anyone with kids should have their firearms locked away so that the children cannot access them. There are plenty of options that will keep firearms out of the reach of children, yet still quickly accessible for you if/when needed.
If you ever come to a point where you need to use your firearm in a life or death event, your fine motor skills are going to be gone, your heart rate will be through the the roof and everything you do will need to be gross motor skills. Training with your firearms will help you in these scary times but it's my opinion that having a round in the chamber and ready to go is one less thing to have to worry about. Good luck!