Single action revolvers I carry with an empty chamber under the hammer. Double action revolvers get all chambers filled. Pistols are carried with a round in the chamber. Shotguns are kept with an empty chamber. SA revolvers, shotguns, and any other gun that is not considered drop safe I choose to carry with an empty chamber. Fudo has a great compromise in keeping the chamber open.
Some criminals will turn tail and run at the first suggestion of resistance while others won't stop even after being shot. At least they won't stop immediately. Some will retreat after being shot or shot at. My goal is to keep my home and family safe. If my structure and alarm system does the trick, wonderful. If they get into the house and run when I chamber a round, fine. If I am forced to drop the hammer, so be it. Some criminals will be deterred by an outside light while others will only stop upon death.
While I have had one break in I have had a few guns hit the deck. Keeping my guns in a drop safe manner seems the most prudent to me.