A scenario I had this year while elk hunting. No way I would have been able to rack in a round when the time came. If I didn't have one chambered I would not have been able to take my elk.
Heard a bull bugle about 1 km or more back. Loaded up, this is a single shot #1, safety on, and headed in the general direction. I had about 1/2 hour before sunset, and then the 1 legal hr after sun set to work within. When finally near enough to where I heard the bull to be last, I crouched and let out one more call, and then opened my scope caps, dropped my shooting stick and call tube. Looked up to have an elk running in to my location. Was able to get a physical count of tines, as we are in a 6 point zone as he cleared the brush he was coming from. At about 30 ft he comes full stop as we lock eyes, and after a split second he turns to head out of dodge. I "bark" at him with my already in the mouth reed call and he stops at about 40 m and presents a shot. This happens sooooo fast in a real scenario that there is hardly time to verify your target, much less have to worry about loading up your firearm, or thinking about a hand held call.
A racking falling block, or be it a bolt action at that last moment to load a live round into the chamber would have been a different outcome for sure. According to some on here that hunt with an empty chamber, and if I understand correctly, I should have waited to that last crouched position to rack a live round into the chamber??
I guess I'll leave it at: you do you, and I'll continue to do me.
Stay safe hunting out there!