Two African safaris, it seems to depend on the PH. With one PH, the rifle was loaded-magazine/empty chamber until we had identified our quarry and were on an active stalk. The other PH had me load as soon as we dismounted from the vehicle. Cartridge was removed from the chamber as soon as we returned to the vehicle, although that's my habit already.
I have a question for those who have safaried with lever-action rifles though. As I've mentioned elsewhere on this site, a good friend intends to go on safari with a lever-action Winchester. Given the mechanics of the firearm, how was this handled upon returning to the vehicle?