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I guess I'm an outlier as I have five handguns and five rifles but they all stay locked and unloaded in the bedroom. I think the odds of me needing one in a home invasion situation are incredibly low. A much more likely scenario is an earthquake followed by civil unrest, in which case there is plenty of time to lock and load.
With a loaded and readily available firearm there is always some possibility of an accident that I think outweighs the odds of needing it immediately, but ymmv.
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