Carry guns are always loaded, HD guns are loaded and on out of sight on shelveds high enough that kids would have a tough time reaching. No kids at home, and no grandkids.
Back when our kids were small, HD guns were in between loaded and unloaded... DA revolver with a speedloader in the cylinder, M1911 with empty chamber and mag not fully inserted, double 12 bore broken but shells in chamber. Takes at least one or two deliberate acts to make them hot. For an adult familar with the gun, maybe 1/2 to 1 second. Much slower for a child without coordination and strength. By the time they have them, likely they would be mature enough to handle the guns.
Back when our kids were small, HD guns were in between loaded and unloaded... DA revolver with a speedloader in the cylinder, M1911 with empty chamber and mag not fully inserted, double 12 bore broken but shells in chamber. Takes at least one or two deliberate acts to make them hot. For an adult familar with the gun, maybe 1/2 to 1 second. Much slower for a child without coordination and strength. By the time they have them, likely they would be mature enough to handle the guns.