The day the permit came in the mail. If not, what's the purpose of concealed carry.
"Hold on a minute Mr. Robber/ rapist/ psycho with a gun pointed at me. Give me a second to find those bullets and get one into the chamber." Let me see, did I put that mag in the left rear pocket or right rear pocket?
Agreed. But not quite that simple. I would not carry with one in the chamber, concealed and tucked in, with a target trigger pistol for isntance and I consider the 3.5# pull on standard Glocks just too light for concealed carry but alright for duty carry OWB enclosed holster for instance. I strongly recommend NY1 trigger mods. On the other hand, the Sig concealed carry pistols come with 5 - 8 pound trigger pulls and I consider them fine for concealed carry with one in the chamber. Revolvers as well - they generally have slightly heavier trigger pulls and you can also see the cylinder turning before that BANG. AND... revolvers holstered are much less likely to go BANG as the cylinder is generally held in place pretty well and therefore the gun is out of battery and can't fire (unless you are carrying cocked).
So, all I am saying is that (a) YES YES you must carry with one in the chamber for fastest first shot possible; and (b) you must must must ensure that you are carrying safely with one in the chamber and that does not mean "keep the booger hook off the bang button" or use "what's between your ears as your safety" or "keep your finger off the trigger".
There is a recent case of a store owner who shot a robber and stopped the threat by doing so. His trigger pull was relatively light as he was using a target pistol for self defense and as the robber turned and fell to the ground the store owner's trigger finger twitched (as is apt to happen during a lethal force incident) and he shot the bad guy again, in the back, and killed him. I don't know the ultimate ending but do know that the store owner wound up in a world of hurt and expense as a result. Sure the trigger finger should have been removed from the trigger immediately, etc., etc. but that fact is that in a lethal force encounter with the adrenaline running at max your senses and muscles do NOT act as they normally do.
Do yourself a favour of the highest order and research the subject thoroughly. I think you will come to the same conclusion as you are seeing on here. YES a round in the chamber is essential for rapid first shot as you are probably in REACTION mode (slower than first to ACTION mode) and secondly a heavier trigger pull than target trigger so that you don't shoot yourself in the jewels while carrying, tucking, reholstering, etc.
In all of the articles I have read, very few mention the huge advantage of a revolver for self defense. Generally a heavier trigger pull to get that cylinder turned and into battery AND that cylinder, once in contact with the holster is a 'safety' of sorts in itself. No cylinder twirl - no battery - no bang.
A complex subject that boils down to "that fraction of a second in REACTION time can make the difference between life and death - carry with one in the chamber".
And those that know me and have seen me post on here know that it took me almost two years of research before I was comfy with what I am saying - it is an educated opinion (I'm not saying that I have a Ph.D., just that I have done the research).
In the end you will do what you are comfy with and the most important rule of a lethal force encounter is simply that you have a gun to protect yourself, one way or the other. I am down to three that I carry concealed and am comfy with; Glock 26, Glock 30 and Sig P239 Tactical 9mm. All heavier trigger pulls and all serve their purpose... small and light for when I dress light and heavier for colder weather when penetration is needed through leather jackets and I have more cover clothing. And I am not opposed to carrying a full sized gun OWB when it is colder in .45, .40 or .357 to get that penetration when I have sufficient cover clothing. All with one in the tube and all comfortably safe in my mind.