Lots of people do. A person has to know their limitations.
There have been plenty of studies that showed that carrying a handgun increases your chance of being shot or accidentally shooting someone. And unchambered gun can't go off. People can actually reduce their safety by having a gun on them.
Yes, there are situations where you will not have the opportunity to chamber your gun.
There are also situations where a chambered gun could go off and there was really no compelling reason for it to be chambered.
Jo got a Glock after reading an article about a man who came to a home, killed the man that opened the door, found the wife and daughter hiding in a bathroom, and I'll not describe this farther.
If that woman would have had a gun and been competent with it, there would have been a much different outcome. And that gun did not need to be chambered, it would have made no difference, she had plenty of time to chamber it. Hell, it didn't even need to be loaded. Just having a gun, she could have changed the outcome. And it was a bad outcome.
If a woman wants to carry a handgun in her purse. And that gun is loaded and unchambered. It's better than nothing, because there are a lot of situations where it could be deployed usefully. And an unchambered gun cannot go off by accident due to lack of experience and fumbling.
My mother is 81 years old and clumsy. If she lived in a dangerous place I would want her to have a loaded gun. But if it was chambered all the time she'd probably shoot somebody with it by accident.
At Blade Show this year I was packing heat in that little green bag and there wasn't room for my gun a holster that covers the trigger. I left it unchambered while I was in the show because I wanted to reduce the chances of a mishap to zero. That's responsible gun ownership. And I chambered it and had my hand in the bag on the gun walking to the hotel in Atlanta at night with tens of thousands of dollars of cash on me. It was unchambered in the show, and in "problem solver mode" while I was walking around Atlanta at night with my crew. Glocks don't really have a safety. It's not hard to pull the trigger on one by accident if it is not in a proper holster that covers the trigger.