At least when carrying it, having it loaded and cocked is normal. The holster keeps the trigger covered, and any not-garbage firearm (read: not Sig P320) is drop safe in case of accidents. And that extra half second to rack the slide can be the difference between getting killed by an attacker or successfully defending yourself in an emergency.

And if they live alone and/or have a safe built into their nightstand I can kinda see their point, though I personally alway leave mine chamber empty