This why I don't like to chamber a round in my HD gun at home. I know many feel having to chamber a round is a dangerous waste of time, but I still feel apprehensive dropping the slide.
Having to chamber a round during an emergency is extremely dangerous. Especially a HD gun, where you may be shaken out of sleep, with the adrenalin hit, you'll be lucky to operate the safety. You will not have the fine motor skills needed to chamber a round.
Chambering is not without some risk, but it is a part of gun ownership. Follow the safety rules and IF it goes off, worst case is someone reports the shot and you get popped for unlawful discharge. The chances of a slam fire from a modern semi-auto are practically zilch, but "practically" still means that you need to be prepared. I've chambered and cycled many thousand rounds and have never had one go off.