In general I have about half of my handguns in ready condition, round in the chamber, safety(if applicable) on, loaded mag inserter. The other half are in "storage" totally unloaded. By my bedside I keep a P226 as a night stand gun and a PPQ in a handgun safe under my night stand as a backup.
I also have at least 3 loaded magazines for any given handgun at all times. Usually 10 magazines for my rifle. Oddly enough, I don't like keeping my rifles with a round in the chamber though.
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"....The swords of others will set you your limits".
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