I recently learned that "keeping on in the chamber" makes you a terrorist...
+1 No point in carrying a firearm without one in the chamber. Might as well carry a club, of pepper spray, or a taser.
YouTube - Should You Carry A Round In The Chamber?
Just an idea...as my normal thoughts have been addressed. Think of something like the Zack holster (I know there are others). You could have it tied to the inside of the purse. Upon drawing it will disengage the kydex leaving a loaded and chambered weapon with LESS risk of anything getting into the trigger guard. I'm not sure if Dale Fricke makes one for that gun or not, but he is one of the best people I've ever dealt with on custom work and I'm sure he would be more than happy to make one custom...
ZACK CONCEALMENT HOLSTER
To be honest, with kids around purse carry would be 100% off the list. Regardless of whether there is one in the chamber or not.
You might as well leave a loaded gun in the dresser drawer.
Unless she is is going to lock the gun up every time she sets her purse down. That isn't going to happen, so it's a non-starter for me. Sorry.
Not to mention, purse carry isn't much help if the purse is grabbed, left behind, etc.