Hi OP and everybody,
I just want to state something that I think is crucial...

Shotguns are not drop safe. Even with the safety on. That is the main reason why "cruiser ready" (mag full, chamber empty, hammer down) is the standard way of keeping it stored.

What's more likely? A home invasion or you or a loved one accidentally dropping your shotgun while at home?

The added "tactical advantage" of the loaded chamber (in a shotgun) really does not justify the risk.

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Oh, and to answer the OP... I think 5+1 of 12 gauge are more than enough for defending your home. (And that comes from someone who lives in a sh***y third-world country. Go figure.