I suppose if I was in a war I would probably go across a fence without laying my gun down or unloading. But as a child of 9 with my first shotgun I was taught by my father, who was an instructor in battle school during the second world war, to be concerned about fences when crossing them. The way we were supposed to do it was to have our partner hold our gun and go across. Then he would pass both to you and go across himself. If you were by yourself you were to put the shotgun on the ground then climb over. As I recall, we often didn't unload. So, I guess we weren't really, really, really safe. Still the rules have served me well in the field for 60 years. On the other hand, I don't see any problem with unloading the gun because it probably is slightly safer and if my partner saw it as necessary or brought it up I would do it without complaint. Nor do I see why a person would want to climb over a fence with a loaded gun. The occasional person did get killed crossing fences at that time. One way of doing it was leaning a loaded gun against the fence then climbing over. You could probably get away with this often enough to think it was OK too. Another was climbing over the fence with a loaded gun and taking a fall. If I remember correctly, in this latter case, the guy holding the gun wasn't the one that was killed. I have to agree that rules get tiresome sometimes and you can create a problem with too many. But, for Pete's sake, part of being safe is having clear procedures that work. This is especially important when you are instructing or examining someone for a firearms or hunting licence.
I don't climb many fences, but the areas i deer hunt are steep and full of blowdowns, thick brush, steep rock bluffs etc. If I had to unload every time I had to negotiate an obstruction, I'd spend all day loading my rifle, taking 10 steps, unloading, repeating.
What i do is make sure I don't point the muzzle at myself. It has worked so far.
I do make sure the chamber is empty, though.
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