By myself waking - one in the chamber.
By myself crossing a river, scampering across rocks or terrain, dragging a deer - I unload.
By myself sitting and waiting - depends on the spook level - if there's a bear around, wolf sign, or dark, I'm holding my gun. If its light out, I'm bored, cold, tired ill unload and rest the gun on something.
With another person - None in the chamber.
Really depends on the situation, but I have shot several deer that have just popped up, raised the gun and shot. The chambered round does help get an animal on the ground.