Mine is stored in its HD location with a round in the chamber and a full mag. I live alone.
Chamber a round, holster the gun, go about your business. Do not unchamber that round unless you need to, meaning: 1) you need to clean the gun, 2) you're going to put it someplace where unauthorized hands can get at it (unwise even with an unloaded gun), 3) you're going to a range that requires that you enter unloaded, or 4) you have to shoot it.
I don't recommend putting a loaded gun into a range bag or any other transport case, ever. It's too easy to screw up. And do not chamber the same round day after day. With deference to the above list, here's no reason to unchamber it in the first place.