The NRA's Three Rules of Safe Gun Handling:
1) Always keep the muzzle pointed in a safe direction
2) Keep your finger off the trigger until ready to shoot
3) Keep the gun unloaded until you are ready to use it
I often get asked questions like this. Obviously when you carry a gun, it's loaded, and pointed wherever the holster points. IWB holsters point at your leg. Shoulder rigs point at your hip, or at the person behind you. On and on. So it seems like you're violating 2 of the 3 rules at all times! What's a citizen to do??
The answer lies in the name of the rules. The rules are for
Safe Gun Handling.
When the gun is properly secured in a holster, you are not handling it. It is stored, static. Just the same as if it were in a case or shipping container.
Because you are carrying it for self-defense, it must be ready to use at any time. Therefore, it is to be kept loaded.
One of the most dangerous scenarios out there is transitioning the gun from this stored and static state to an active and in-use state. In other words, drawing from a holster. There is a very real risk of shooting yourself in the leg or the weak-side arm. And there is also a very real risk of "sweeping" unintended targets (or worse, shooting an unintended target) while drawing, creating a gross violation of Rule #1.
There is a lot of time devoted to proper drawing technique during the
NRA Personal Protection Outside The Home course. For this reason, I strongly recommend this course to EVERYONE who carries a handgun on a daily basis.