If my house were on fire, rounds "cooking off" would be the last of my worries. Getting me and the cat out would be first priority
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I leave mine chambered (handguns) but I don't have the shotgun chambered. I've seen safeties on shotguns just quit working (especially mossberg 500's) and I don't want ANY danger of a ND.
As for the guns, the 1911 stays "cocked and locked". I feel comfortable with that. The USP .45 has a round chambered and then decocked.
The AR isn't chambered either.
Wayne