A SW Model 65 loaded with 158 gr. Gold Dot .38 special +P in the nightstand and a twelve gauge Mossberg 500 (just a plain shotgun) in the closet loaded with reduced recoil 00 buckshot. I also have a .45 acp 1911 in a drawer near the front door usually loaded with 230 gr. Speer Gold Dots or Federal HSTs. I don't have small children at home but whenever there is a possibility one might visit (rare), the guns are locked away.
Added: Re-think the Cruiser as it is more difficult to shoot accurately My Mossy has the Cruiser setup but I just stick with the regular stock.
Jim's Rules of Carry: 1. Any gun is better than no gun. 2. A gun that is reliable is better than a gun that is not. 3. A hole in the right place is better than a hole in the wrong place. 4. A bigger hole is a better hole.
no guns = might makes right