We each have different situations.

Personally, instead of keeping all my pistols in the safe, several are "scattered" throughout the house so that I'm never far from one. Those are in addition to the 12ga that's well-located and always ready to go.

The only time I "carry" at home is when I'm getting used to a new gun/holster combo. In that case, I load filled snap caps to simulate the weight of a loaded magazine.