I think everything I've read about storing guns, including my owners manuals recommend storing them unloaded. I think we can all agree that an unloaded gun is less likely to go off and hurt anyone. That said, if it's locked in a safe I see no reason to not keep it loaded. I keep my 686 in my safe with 6 in it and two speed loaders next to it. And it is not my primary home defense gun.
So the question is, is it NY Law that it be stored unloaded or just their recommendation?