Put my vote in the carry 4 with an empty chamber under the hammer camp. I am wondering what would be the need to carry five and take a chance on injuring or killing yourself or someone else. If four rounds from a FA cannon can not do the trick, one more is not likely to help either. It is not like a FA is likely to be your CCW gun and you are going to be in a gun battle with one. And if you are, just wait till the bad guys are lined up and shoot through 7 or 8 of them with one shot. Just tonight I had occasion to "retire" a coyote crossing my horse pasture. I shot him broadside through the shoulders at about 40 yards with my 475 and a 420 grain cast lead leaving at 1,300 fps. He was in front the willow in the back pasture at the time. The willow trunk is about a foot and a half thick and the slug went through the coyote and the willow. I for one would not want one of those slugs taking off by accident.