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 welfare of humanity is always the alibi of tyrants." Albert Camus