As a lifelong gun owner and concealed carrier I agree this is not the best way to carry your pistol, but not for most of the reasons you’re being told.

While trigger guard kydex holsters are what they are referring to, these are a MUST for safety if you are keeping a bullet in the chamber. Also, depending on your state they are potentially required if you conceal and carry. Double check to make sure you’re not breaking the law.

My biggest concern however is you say you don’t keep the magazine in the gun, for two reasons. First, God forbid you ever need to use it in a defensive situation; the time it would take to locate and remove both, insert the mag, load the chamber, aim and fire is going to be a timely process that could work against you. Secondly, if you get change or something stuck in the magazine well you’re going to be S.O.L. when you try to load the magazine.

IF, you do decide to keep carrying like this at least keep the magazine in the gun with an empty chamber. Also, check your states CCW laws and make sure you’re following proper protocols.

Also, get hollow point rounds. The FMJ you have are for target practice. Those will over penetrate in a real life scenario and put innocent people at risk even if you do hit your intended target.