This thread is old, but I'll add my thoughts:

As a parent, I consider every gun I own to be loaded, even if I know it isn't. I also consider all of my guns to have a hair trigger--even though it might be a 12lb double action. Accordingly, I lock up all my guns at home. CCW is always on my person unless it is in the safe. I use this to have quick access to my home defense gun:

Stay safe,