i've never seen an animal stop to say, "hey bonehead, ya gonna chamber a round so you can shoot me".....
there's always a round in the chamber, and safety on. i hope if something should happen to tug on the trigger while moving thru the woods it works at that point in time.
toys around the house also always have a round in the pipe. i have no children, and wife knows they are loaded and knows how to use em......