If I hear someone outside, I always immeaditely look. If it's someone I don't know, I will get a gun. When the gun is in my hands, I can have it loaded in 4 seconds. I can load it while running if need be. It being unloaded won't loose me any time.
And if I'm not home, what makes you think my wife can't shoot a gun by herself? She knows how to shoot and operate everygun I own. And she will shoot if she is threatened.