JWP,
And your post is exactly what we need in thread like this, all of the facts to help folks make a decision for themselves. I actually checked the instruction manual for a couple of other hand guns I own and both state specifically not to load the gun until shooting is imminent. If I were to follow the rules to the letter, I would not be able to carry a gun for self-defense ;^) So we all violate the manuals, but pretty much have to agree the manual should just be a starting point for the decision.
Gregg, you have probably surmised that I do carry mine with 5 in the holes, sometimes. My gun is carried in a SD Myers custom holster that fits the gun so snug, the cylinder cannot rotate. and it has a thumb break that holds the hammer tight. But, I also hunt alone and try to exercise common sense. And, I am not opposed to changing my carry to accomodate the situation. That is what I was trying to say about an active process. I hunt with my leveractions with the the chamber loaded, in half cock. But if not alone, I adjust and at times will empty the chamber. If on a narrow trail with others, not in the front, shuck out the shell.
Gary, I actually had my FA 83 for quite a while before I figured out how it actually works. I felt really dumb for that, and I had read the instruction manual. But I had not really taken the time to understand. I'll admit to being guilty of skimming over the safety section, just as I do with a lot of pistols. I found quite a few threads on various forum about how to safely carry a 83, but none were as reasonable as we are here. I agree 100%, the FA manual says 4, period. To not do so one had better understand and be responsible about it. Even if you shoot your own bloody leg off...
Craig