I'm not sure what the big deal is about chambering a round upon presentation. It's a standard practice in parts of the world where they consider Americans insane for running around with rounds in the chamber. It takes no more time to cycle a little semi than it does to engage or disengage a safety. Indeed a very strong argument could be made that for single action pistols at least the safety should be ignored for defense purposes. When ready to present, cycle a round on the upswing and you'll never have to worry about forgetting to release the safety catch.
Keltecs are DAO, however, which makes them less troublesome with a round chambered than a single action. Still--it's a personal choice. I would suggest though that if a loaded semi bugs you like it bugs me, you should consider a more potent revolver for around-the-house carry backed with a nearby carbine or shotgun.