Not to get the safety police after me but this is another one of those issues that never gets settled. The Colt Peacemakers had guys lowering the firing pin on a live round and carrying like that, any pull on the hammer would bounce the hammer down and fire the gun. It would be like carrying a cap and ball with the hammer down on a live cap. In any event the carry5 idea came about with the cartridge guns but folks started back peddling and applying it to cap and ball. I've tried and tried and tried brushing a holstered gun against objects seeing if I can trip a hammer far enough back to rotate the cylinder enough to cause the hammer to come down on a cap. I'm sort of tired of the issue so let's just say load five and lower the hammer on an empty chamber.