It's a great question, one I've thought about many times. I currently carry a G23 or Ruger LC9, and have a G19 with a light and spare G17 mag for "nightstand". I'm strongly considering having my KelTec Sub2000 with a light replace the G19. The "nightstand" is actually an electronic safe under the bed that houses both guns, for children issues.
NRA Certified Pistol Instructor & RSO, IDPA Sharpshooter, Project Appleseed Rifleman
Member NRA, GOA, SAF, VCDL