But for a nightstand gun, it should be in condition 3.
Maybe if you're tossing it onto a pile of nightstand junk or into a drawer.
Off body carry means that you and others are going to be handling the gun often.
How is that a given?
Keep it in a holster and
leave it there in condition one, regardless of the design of the handgun.
DA revolver - holstered with all chambers hot
DA/SA pistol - holstered with safety applied or decocked as applicable, full mag full chamber
DAO pistol - holstered with a round in the pipe, full mag
SAO pistol (1911) - holstered, full mag, loaded chamber, safety applied if applicable
Striker pistol - holstered with a round in the pipe, full mag
If you just can't resist the compulsion to fondle your guns, by all means keep them unloaded, with trigger locks and cable locks applied, keep their magazines empty and stored elsewhere while you're at it.
But if you can at least pretend to be responsible (keep pretending, it becomes a habit) then a holstered gun with a round in the pipe is hardly a safety concern. You don't even need a fancy $70 holster for a house gun, some cheap crap from the gun shop will do just fine as long as it offers some measure of retention and keeps the trigger protected.