If a gun is in a holster, it's loaded with a round in the chamber (and decocked unless DAO.) If it's not in a holster, it's unloaded (but check to make sure.) I have a few cheap holsters that I never carry just for this purpose.
I haven't figured out a system for rifles yet. At the moment they are unloaded, but I have loaded magazines in the range bag.
My kids are grown. When grandkids come along, the guns will all be locked up unless on my person.
"The only way to stop a bad guy with a gun is with a good guy with a gun"