A friend of mine learned the hard way.He was car jacked and forced to the back seat, he did not have a chance to present his weapon, he let his gun go under the passengers seat. When the bgs drove of with his car and him in the back seat there was another perpm covering him pointing a cocked gun at his head, but this perp in the back seat was more concerned on looking out the back window to see it they where beeing followed. My friend was just seating there hoping not toget shot when he fely his gun with his feet under the front passengers seat, somehow he mangaged to pull it out from under the seat with his foot and grab the gun while the perp was looking out the back window, but my friend remembered he did not have around in the chamber, and decided he would not be able to push the perps gun away from his head and rack the slide before the perp got of a shot at him, plus the two guys in the front seats had guns too, so he decided to drop the gun and push it under the seat again and wait for another oportunity. The perps dropped him of blocks later, the police recovered the car and the gun three days after.
My friend told me that if he had a roundin the chamber(double action sw9) he could have taken the guy in the back seat first.Now he carries a round in the chamber.