This obviously should have been a multiple choice poll, or broken up into several distinct polls.
I carry:
Fully loaded w/ one in the chamber (mag +1)
My carry gun has no decocker, it is DAO. It has no integral safety, either. It doesn't need one any more than a revolver does.
It is loaded with JHPs.
I carry a spare mag as well. It is fully loaded with JHPs.