Full magazine + 1?

[Mr. 16 gauge]

I'm just curious.....for those of you who use semiautos (and I suppose those who are LEO as well): Do you carry your sidearm with a full magazine, plus one in the chamber? Or do you load the magazine and and then strip off a round and call it a day? Reason I ask is that I have read in a couple of places (although I can't remember where exactly) that semiautos generally function better (i.e. fewer jams, failures to feed, ect), when stripping one off the magazine. I read were the British special forces, when using the Browning Hi-power, would only load 11 rounds in the mag instead of the 13 that the gun can carry, because they got better function.

Any thoughts? Enquiring minds would like to know............

Thanks in advance.