In my house during the day: empty chamber.
The chances of me having a ND are extremely low, but due to the security at my property I'm certain they're technically still higher than the chance of me needing to defend myself.
Around children, no matter where/when: empty chamber.
Again, my chances of having a ND are low due to years of professional training. However, it is still possible: nobody ever thinks it'll happen to them, and if it does, I don't want it to happen around kids.
All other situations: one in the pipe.
If you don't like it or if it's not right for you, do it your way.