As a general rule, my centerfire handguns are always kept loaded. The only times they are unloaded is at the range or cleaning them. My ccw gets loaded as soon as I leave and the others get loaded before being put where they go at the house. If I pick up one of my handguns, I want it loaded and ready to fire.
"Those who would give up essential liberty to purchase a little temporary safety, deserve neither liberty nor safety."
- Benjamin Franklin