I keep my guns unloaded unless they are on "active duty." My ammo is in one safe, firearms in another. The exceptions are my bedside G19, and G33 and Kahr MK9 carry guns. They have one in the chamber and an extra mag on the ready. Also I have my 12 gauge with 7 in the tube, but the chamber is empty. Sometimes the racking of a pump 12 gauge is enough to make the bad guys think twice. Especially in a dark house.