That's not true. It is only illegal to keep a long gun (shot gun or rifle) chambered while in a vehicle. This is a DOW regulation to prevent poaching and you can supposedly get an exemption if you are in a wheel chair. You can have a pistol in the car with you in any condition, in any location, in Colorado. Just keep in mind that not all state laws are the same.

I've been pulled over at a DUI check point with a loaded (and chambered) gun in my car (wearing it in an IWB holster) WITHOUT a CCW and it was no issue.

In before someone challenges you on your stance of CCW being a privilege.