I had posted earlier in this thread but just caught up on all the new comments. Earlier I said I use a DeSantis pocket holster; now I mostly use my Remora holster. It works fine as a pocket holster and also as an IWB holster.
As to carrying with one in the chamber or not, I cannot imagine carrying a gun for defensive purposes and then NOT having a round in the chamber. When I read that some are concerned about pocket carry with one in the chamber, it makes me think they must be pocket carrying without a holster. My pocket holsters cover the trigger area so I have no hesitation about keeping one in the chamber. It makes me think that maybe some on this forum are really not confident of their ability to control, draw and fire their own gun if they so fear having one in the tube. Not only is there the time factor of racking the slide, the noise factor, the adrenaline factor causing fumbling with the gun and not getting it properly into battery because of the fear/tension of a life threatening situation, but don't forget that if there is not one in the chamber you absolutely need two hands to be ready to shoot (yes I know that some folks can rack the slide single handedly but how many of us really are trained and ready to do that?). You well might need your weak hand to deflect a blow, push back against an attacker while drawing your gun, etc.
I wouldn't want to be grappling with a thug who likely is younger, stronger and now faster than I am, and he is the one who has chosen the time and place of the attack, finding myself trying to hold him off at bad breath distance and drawing a gun that cannot be fired because there is no round in the chamber. If you won't keep one in the chamber, maybe carry a double-action only revolver where an accidental trigger pull is all but impossible. If that makes you nervous, then maybe switch from a gun to a knife.