Every generation of my family, as far back as we can find (which goes back further than the USA) has lived in a home with at least one unsecured (and normally loaded) gun. The gun, loaded or not, is not the problem.
Improperly trained (if trained at all) children, unsupervised (and any adult in the same category) are the problems. Deal with it the best way you see fit.
Most folks lock up everything. Some lock up everything but the defense gun(s). Some don't lock any of it. Your life, your choice as I see it.
One thing I do, if not securing the "emergency response piece" when I'm going to be away for a while, I don't leave it loaded. No sense giving a thief a loaded gun. Sure, they could find the ammo and load it, they found the gun, right? Ok, fine. But at least they're going to have to work at it a bit more...
My current situation? Kids grown, moved away. Nobody visits when I'm not there. Period.
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All else being equal (and it almost never is) bigger bullets tend to work better.
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