All the carry pistols in my safe stay chamber loaded with whatever self-defense load I've decided on for that pistol. I do unload the magazines if its not in my current carry rotation.
Carry revolvers stay loaded.
I don't keep the .22 handguns loaded as they are just for recreation.
I know any handgun that I pull from the safe has a round in the chamber, and that round has only been chambered once.
I think chambering rounds more than once is a bad practice, not that anybody asked.
If I'm going to the range to shoot a quantity of FMJ through any of the pistols, I go ahead and shoot the JHP that was in the chamber first, along with a couple more, as though I was using it in self defense.
I do keep plenty of desiccant in my safe.