If you carry a concealed weapon (in this case, a firearm), it stands to reason that you need to maintain your proficiency. This includes learning how to draw your weapon. Some new shooters and even some experienced shooters, are hesitant to carry their weapon with a round in the chamber as they are concerned about an accidental or negligent discharge. I would contend that as long as you follow safety protocols (like keeping your "finger off the trigger until your front sight is on an identified threat"), and making sure clothing doesn't get stuck in your holster, then you will be fine. Because when you need a weapon, you need it NOW! The below video illustrates this really well.
See the below video for a good lesson-learned on the situational awareness; the ability to draw your weapon; and keeping a round in the chamber.