My hd pistol always has one in the chamber, magazine inserted, in my night stand drawer. I have two other pistols loaded and ready to go in my closet. No kids at home, but if the great grandkids come over I lock my guns up.
The two in the closet are carried and I choose which one depinding on my mood at the time. I always shoot each one, including my hd pistol, to keep them limbered up.