If a gun of mine is used for SD, it's loaded, one in the chamber at all times. I use a 1911 for a nightstand gun because it has night sights and a safety that I have to click off before it can fire. I am fully awake when I wake up and am not concerned about accidently firing a round while half asleep. At home, bad things usually happen very fast and if you have to load your gun and rack the slide, you're way behind the curve.
"The gun has been called the great equalizer ... It insures that the people are the equal of their government whenever that government forgets that it is servant and not master of the governed." --Ronald Reagan