You might want to consider a gun with one of those much-reviled internal locks. I don't have kids, but my Taurus PT-145 Millennium Pro has a lock on the side of the slide. If I had kids and didn't want to carry it on my person, I could leave it completely loaded but safe, with the key in my pocket. 
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Violence is an ugly thing, but not the ugliest of things. The decayed and degraded state of moral and valorous feeling which believes that nothing is worth violence is much worse. Those who have nothing for which they are willing to fight; nothing they care about more than their own craven apathy; are miserable creatures who have no chance of being free, unless made and kept so by the valor of those better than themselves. Gary L. Griffiths (Paraphrasing John Stuart Mill)
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