Carrying Auto Pistol with round in chamber

Question
I recently bought a Springfield XD_40 subcompact(I have also had a 9mm sub compact XD).  The gun shoots, feeds, and extracts perfectly, but will occasionally hang up when chambering a round, particularly with Speer Gold Dots.  I did not experience this with my 9mm sub.(I have large hands, but have no trouble shooting the gun, just in chambering)  I have since started using plain jane Remington Express 180 JHPs, as they do not hang up in chambering.  Are normal JHPs sufficient in 40 S&W?  Due to this issue, I want to keep a round in the chamber, as the gun seems to be 100% reliable, once a round is chambered.  I use this gun for glove compartment use, with occasional concealed carry.  I am concerned about accidental discharges.  How likely is an accidental discharge with the XD in either an IWB holster or in a moving vehicle?  Wouldn't an XD with the grip safety be safer than a double action revolver (with all cylinders loaded in the safer conditions)?  I sincerely appreciate your comments.  Many thanks.

Answer
I suspect that the hangup is because the lip of the hollow point bullet is hitting the feed ramp. This can happen with one type of hollow point, and be ok with another type having a slightly different shape. If you find a hollowpoint that feeds well, you can stick with that. Alternatively, a gunsmith likely can work over the feed ramp to assure feeding if you give him some samples of the cartridges you would like to use.

I think the power of your gun/cartridge is sufficient for self defense with any standard JHP bullet and loading.

Keeping a round in the chamber but not cocked is called condition 2. When also cocked, it is condition 3 (also called cocked and locked). Condition 3 is considered safe by most experts when used with a 1911 style gun (one with a lever safety and also a grip safety). Condition 2, with a round in the chamber but not cocked, is normally not recommended, because an accidental discharge is possible if it is dropped to sufficiently move the hammer back and then the hammer falls onto the firing pin.

Hope this helps!

Dave