I always carry in condition 1. Do you think the bg with a gun is going to carry his weapon without one in the chamber? If you are worried about your gun going off while carrying then you need to buy a better gun. I carry my glock with no worries I know that my gun will not fire without a finger on my trigger.
The milliseconds it takes you to chamber a round could be the difference in you going home or ending up in a body bag.