For me, I carry all the time, so having my pistol with me is second nature. I don't imagine firing while riding, but you never know when & where the crazies will appear: at a stoplight, a gas station, a burger joint etc. this is the point of carrying in the first place. Carrying chambered only betters your odds in the off chance you need your weapon.
The XDM has been torture tested: dropped from buildings, run over by trucks, frozen, buried, etc. With the passive safeties, it is virtually impossible for it to fire without intention.
Carrying can be intimidating at first, and I carried for a month before deciding to carry a chambered weapon. But once I made that transition, I never went back. Use good quality equipment; a good holster is worth the extra money.
In the end, a gun and how you choose to use it is as much of an individual choice as which motorcycle you choose. So take the first step and start carrying. Figure out what works best for you, practice, practice, practice and focus on safety first. All the other details will fall into place. Make sure you are very familiar with local laws wherever you find yourself and follow them. If you get pulled over, you will get points with the officer if you tell them right away that you are carrying. I've been commended by cops for doing this.
Good luck, be safe.
