I typically carry a round in the gun - especially bird hunting or still hunting timbered country like Northern Idaho. In more open country spot/stalk scenarios I am less likely to chamber a round because encounters are much more predictable. Wherever I happen to be...if there is even the slightest doubt about my ability to maintain 100% control over the muzzle direction, the gun gets unloaded.
If I was filming a tv show, guiding paying clients, or otherwise had a big group of people around I would not allow loaded guns until the intended shot. In these scenarios you have added a lot of complexity, a lot of extra people who may or may not be that familiar with each other, and so the chances of something going wrong are astronomically higher. Not to mention the liability would be staggering if something goes wrong while engaged in commercial activity.
So, like many on here, my answer depends on the scenario.