If you have to ask I think you already know the answer.
No, I DON'T already know the answer. I know how I
deal with this issue. But I asked how OTHERS deal with it. I'm surprised at the number and variety of responses. It's been a good discussion.
As an NRA instructor, I always emphasize the #1 rule of firearm safety: Keep it pointed in a safe direction at all times. I can't reconcile that with keeping a loaded gun under your pillow.
Keeping it within easy reach is a different story. For myself, I've chosen to add a step to ensure I'm fully awake.