I don't keep loaded guns everywhere, and I don't have kids around, but I do keep at least one loaded (.45 ACP) but not one in the chamber, and it's not easily found nor accessible, so I find that prudent in my circumstances. Most of mine are seperated from the ammo, and I probably wouldn't be as comfortable keeping a loaded revolver, but an "accident" simply isn't going to happen with the .45...it'd be an "on purpose"
. I'm a nut when it comes to firearm safety...haven't picked one up without checking the chamber in 40 years, but imo some of the "rules" are for casual owners to adhere to, and they probably should.