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If you feel a gun isn't safe to be carried loaded or loaded without a round in the chamber, you need to re-evaluate your gun, training or both.
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A view I see all the time on this forum. Without knowing the person's background or training, I would find that arrogant and condescending.
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Hardened entries: Unless you live in a bunker, its going to take about three seconds to kick in a door or bust through a window.
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If that's the case the think people should be looking at before they think about a firearm is a stronger door or a way of strengthening their door. It would be more useful thinking about how to keep unwanted people out of the house than what to do when they get in.
As for risk assessments you can over think things, if we did risk assessments on everything we would get nothing done.