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Gun should only be loaded if it's on your person or secured. Secured might mean a safe or it might mean a kitchen drawer where you hide it but it probably doesn't mean laying on the coffee table.
I vote for having your gun loaded and ready to go in the safe. Mine doesn't have an external safety but if it did it would probably be off. I do, however, decock it from single action trigger pull to a heavier double action for safety.
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