Ok, so riddle me this....why does a civilian need to carry a weapon in a higher readiness status than a military member in a combat zone or elevated force protection condition?
Frankly because a) they probably don't train as much and b) constantly jacking around with a carry pistol in public is either going to end up with an ND or a whole lot of attention they don't want.
Military are rarely carrying *concealed*. And if it's concealed, leave it that way. Period. Don't screw around with it, don't fuss with the holster, don't jack around pulling it out, changing it's condition.
But all that aside, my issue isn't really with people who carry, but with those that feel they need to leave the gun somewhere other than on their person (ie in a drawer or closet, under the seat...) with a round chambered.
A local instructor recommends this: Condition 1, Gun in concealed holster and it STAYS there. Get home, take holster off with gun in it and put it in a SAFE. Not some closet shelf. Strap holster back on the next day. Leave the firearm alone.
Go to the range, decide if you're going to shoot a full magazine of the expensive self defense stuff. If you are, just shoot it empty. Reload with practice rounds.
If you're broke, drop the magazine only and put one with non-defense rounds in. Fire that one that's in the chamber. Don't bother clearing it, you don't want to be loading and unloading defense rounds anyway. You'll lose a buck at each range session.
Finish at the range, reload with defense rounds. Holster. Repeat.
Absolutely impossible to have an ND when it's always in the holster.
Now, if you're like a lot of folks you might need more that one holster for different dress. If so, go to a designated safe place with the firearm and switch holsters at home keeping it pointed at something that can STOP a round. Example: Don't unholster it in your upstairs bedroom and point it at the floor while reholstering.
This is CARRY guns only. Range guns get cleared at the range.
The only dilemma in his technique is if it's time to clean the carry gun. His personal preference there is a sand bucket at home for clearing and locking back the slide on anything that's about to be cleaned. He does that in his garage.
For non-fussy carry guns (stuff you'd actually want to carry anyway that always go bang) a quick run through with a bore snake at the range is often plenty of cleaning... depending on how fussy you are. Especially on most striker-fired Tupperware. On stuff with exposed hammers and more mechanism that needs care, it's a toss up. Your call. He carries a Glock which doesn't care much. Pop the slide off, bore snake and scrub a bit, wipe it off, reassemble. Karen's M&P is similar. If you're a 1911 fan, that's a little more work at the range but if you get good at taking it down you can still give it a decent cleaning quickly and don't forget to keep some oil in your range bag.
Anyway his point is, minimize changing condition and leave it in the holster. That'll never do you wrong. And lock it up if it's not on your body. Period.
Standing on a ramp screwing around with dropping a magazine, racking a round out, shoving that in a pocket (since most folks upload an extra round), magazine back, reholstering... At least three possible mistakes there for a possible ND. Leaving it alone in the holster? Zero. Safety is a numbers game, I like zero vs three.
Full disclosure: I've had one ND. It was the stupidest f___ing thing I've ever done and since I followed three of the four safety rules it was a non-event other than ringing ears and my pride being forever hurt. Also a good reminder that I really hate patching drywall. I was clearing stuff that was going in the big safe.
Humbling and embarrassing and once you've done it you'll do serious research and find the typical causes and modify your behavior. I've added some rules around here that short-circuit the chain of events that led to mine. It had nothing to do with the above "leave it in the holster" technique but a long frank discussion with this instructor about the ND led to his describing that particular technique as well as some others.
There's a reason why the military has clearing barrels and there's a lot of rounds popped off into them.