Safety
This is the second post I've seen recently about intrinsic equipment safety, I think the other was about Glocks. So here goes.
Sure a properly loaded (one up the spout) PM9 is safe--*potentially*. And it had better be! A sidearm's purpose is to prepare the wearer to meet the unknown. If you knew what was coming up, you'd be facing the direction of danger with a long gun firmly grasped in both hands--and you'd have one up the pipe. When we swap our long gun for a holstered handgun, we trade effectiveness for the convenience of having both hands free to go about our daily business. However to make up for not having the gun in our hands and not knowing what direction the danger will come from, we gain some responsiveness and speed. In no way do we get back even half of what we give up in this trade, so obviously we can't afford to give up even the least bit more. In fact, we can expect to be behind the curve somewhat even when going about in Condition Yellow. That's why it's absolutely essential to have one in the chamber (for autos) or one in each of 5 to 8 chambers (for revolvers).
The reason I say the gun is *potentially* safe is because it depends on *you*. You have to know your safety rules first. The test of this is to absolutely know what's safe and what's not. If you feel it's unsafe to have a pocket gun with loaded chamber or chambers, you are absolutely right! You are not ready to carry! You first have to know how your gun works. You have to think this over carefully. With my PM9, I know the trigger has to be pulled back with a certain pressure over a certain distance to fully cock and release the striker. I know that although I use a pocket holster which covers the trigger and helps keep the gun presented correctly, I would be fully confident with the gun bare in the pocket because when my gun is in my pocket, nothing else is in the pocket. And clearly something else would have to be in the pocket to actuate the trigger, so I know it's not going to go off in my pocket. I also know myself and my training well enough to be sure that my index finger will get nowhere near the trigger until the gun's pointed downrange and both hands are on it. So I know beyond any doubt there is no physically possible way the gun can fire unless I deliberately will it so.
So if you don't know your gun and training well enough to know these kinds of things, not only are you an accident waiting to happen, but with an empty chamber, you're basically asking to have your gun taken from you as you attempt to make it ready, unless you first get shot or cut while diddling around.