I got my wife the clip (bought her a Glock 26 and a KelTec P32 for her birthday). She likes this mode of carry and feels most comfortable with the chamber empty. For a truly practiced individual, one might not be afraid to carry chambered as the trigger pull is very long and relative stiff (7-10 lbs - idunno - "stiff"). On the other hand if you ever had to use it in a social situation, you wouldn't want to accidentally grab the trigger with your thumb if you "dug too deep" for it. On the other other hand - no chance of forgetting to rack the slide if one is chambered. To each their own. Whatever you do, make sure you rack the slide briskly - fully - do not baby it. I have experienced, seen, and heard of hp rounds not chambering when the slide was eased forward the least little bit. Have fun and be safe.
Tate