Captain Mike,
You asked about kids. I have two. 11 and 5. Both Spider Jane and I work under the assumption that you cannot child-proof a firearm, you have to firearm-proof the child.
If I am vertical, I have a firearm. On my side. At night it is on the bedstand, condition one.
11 year old daughter is a developing trap shooter and dove hunter with her own shotgun. She has no interest in handguns right now. I trust her judgement around firearms because she has proven herself time and time again. I worry less hunting with her than I do with some folks my age.
5 year old boy is into everything, and can't wait to start hunting. He is focused on turkeys and tree rats. If he asks to see anything in the safe, he and I go take a look. He hasn't bothered to ask about the "nine-eleben" I carry in a long time. It is always there, and he just takes it in stride that I always have it. He can quote the four rules, and has been able to do so since about age 3. We insist that he demonstrate the 4 rules even with his cap guns, it is a good way to keep an eye on his level of understanding. I will add that some of our best time together is spent cleaning guns and reloading.
I guess what I am trying to say is, it is just part of our lives. I have done everything I can to take the mystery out of firearms, be it for recreation or life and death situations. I make sure that there is range time for all four of us, together.
Take this for what's it's worth, it works for us right now. If the 5 year old were to change his behavior even slightly, I do have a quick safe for use at night.