You're just asking for trouble to keep one in the chamber.
I used to keep a revolver loaded and hid in my closet. When my oldest son was about 4, he came walking down the hall of the house carrying it to me just looking down at it, as if he had found a new toy. I immediately started bawling and telling him it was not a toy, etc...
All guns now are locked up in the gun safe, some have cartridges in the clip, but none come into my house with one in the pipe.
However, I don't live in a crime rampant area. My closest neighbor is about a mile away. If a stranger comes around the dogs know to "sick balls", and would give us plenty of warning time to get a gun out. Although it has never happened.
If one of my children, or anyone's child shot themselves in my home with a gun that I left loaded, I would probably go ahead and put the next bullet right behind my own ear. That would be tough to live with.