I have kids, so I keep my M&P Pro in a NanoVault, loaded magazine, empty chamber. I've never been too hot on leaving a striker fired firearm laying around with a loaded chamber. If it was a hammer fired weapon, I would leave it loaded, one in the chamber, decocked. Not an option for the M&P though.
I also have my Mossberg M590 in "cruiser safe - 1" in the locker downstairs. Cruiser safe means loaded tube, nothing in the chamber, - 1 meaning I don't have it fully loaded. I leave it that way in case I feel the need to use a slug first instead of the buckshot that is in the tube.
When I CC, I keep either the M&P or my Keltec PF9 loaded, with one in the chamber at all times.
Korey - Shamrock Armory
Glaine ár gcroí, Neart ár ngéag, Beart de réir ár mbriathar.
Purity of heart, strength of arms, and truth in words.