Free: Contests & Raffles.
We had lots of horses when I was growing up and did a couple of pack trips into the back country every year. Dad always had the model 99 in the scabbard and his pistol on his hip both loaded. When folks would ask him if he could shoot off the back of his horse he always had the same answer - "once".
Remember, Captain Ingalls, whom the creek is named after, died by friendly fire from a guy behind him who's gun got caught on a tree while riding through the forest! Now nobody can seem to figure out where all the gold he discovered in the Enchantments is at! That's another story...
I have riden horses hunting in WA, ID and WY with my rifle in my scabbard. There are always shells in the magazine, maybe not in the chamber.