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A loaded shotgun with the safety off next to the bed? I can't imagine any type of shotgun where that would be a good decision
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You need to expand your imagination.
I have exactly that kind of situation, gun loaded, safety off, and I consider it very safe. Of course, the gun I use for this is a coach gun, with exposed hammers. Its quite safe loaded, until you cock the hammer(s)!
Now, a hammerless (internal hammer) double, or a regular pump or semiauto? No,
NO,
NO! NOT SAFE with chamber loaded and safety off!!!