We were always taught to unload the gun before coming into the house. By unload, we simply remove the chambered round and stored it in the house. Magazines were still full and all that was required to load was to cycle the action. Safe guns are fully unloaded and wiped down or cleaned before putting under lock and key. Transported guns are also unloaded or magazines stored separate with the exception of the daily carry.
The only fully loaded and chambered weapon is the daily carry. It is a double action first shot, semi auto with a thumb safety Smith 6906. It requires a pretty strong trigger pull and rests in a holster at my side. No catlike reflexes needed to control it.
Like others, children are taught that all guns are loaded and to treat them with respect. None are laying around in corners or behind doors. None are under a bed or a pillow. I intentionally locate the night defense gun away from the bed so it will require a conscience effort to get it and avoid any dreams or accidents. All others are in multiple safes under lock and key. A few are in wall racks, out of reach of young children.