I was generally taught down by both basic "dad" training and gunrange rules so that's generally what I practice. like Erick said, it is situationally dependent.
In fact a friend of mine and I were talking about this very subject the other day with some kind of tactical trainer at the indoor gun range we now frequently attended.
The gentleman recalled an incident in North or South Carolinia where a policeman was cleaning his gun in his upstairs apartment and the gun went off. The shot went through the floor and hit a woman in the head. She was dead.
He said the first thing that came out of the policeman's mouth instinctively was "I had my weapon pointed down."
So it's really kinda relative. What is safe?
If your're downstairs, pointing down is better, if you are up stairs up is better (but what if someone is above you on the third floor.)
Or if I am on concrete or some other hard surface...up is better.
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