Guys, there seems to be some misunderstanding as to what exactly the NRA rules *really* say. If you are going to compare the "NRA rules" with the "4 Rules," it helps if you actually *know* the NRA rules.
From the NRA website:
http://www.nrahq.org/education/guide.asp
The Three Rules of Safe Gun Handling
1. ALWAYS keep the gun pointed in a safe direction.
This is the primary rule of gun safety. A safe direction means that the gun is pointed so that even if it were to go off it would not cause injury or damage. The key to this rule is to control where the muzzle or front end of the barrel is pointed at all times. Common sense dictates the safest direction, depending on different circumstances.
2. ALWAYS keep your finger off the trigger until ready to shoot.
When holding a gun, rest your finger on the trigger guard or along the side of the gun. Until you are actually ready to fire, do not touch the trigger.
3. ALWAYS keep the gun unloaded until ready to use.
Whenever you pick up a gun, immediately engage the safety device if possible, and, if the gun has a magazine, remove it before opening the action and looking into the chamber(s) which should be clear of ammunition. If you do not know how to open the action or inspect the chamber(s), leave the gun alone and get help from someone who does.
Notice that "Rule 3" says "Always keep the gun unloaded until ready to use." It does NOT say "...until ready to shoot."
In the "Personal Protection in the Home" course material the NRA clarifies that a DEFENSIVE GUN is considered to be IN USE. They specifically say that since you are USING the defensive gun, by having it ready for self defense, it can be loaded and still be in compliance with the rules.
The idea that you shouldn't load until you are "Ready to Shoot" is not actually in the NRA rules, so don't criticize the NRA rules for something that isn't actually there.