First, it is in quality holster that has the trigger covered, in a front pocket with nothing else and there is one in the chamber.
Now Welcome to KTOG ;D
That is a very common concern, especially with little past pistol experance. I carried my P3AT for a couple weeks with the chamber empty when i first got it and think that is a good ideal for every one since it is a new device and still in the break in stages.
The long trigger pull, and the hammer block design, make it safe to carry chambered, but finger and trigger awareness are very importait.