Cloud, you're overthinking this. Could someone break into your home and steal a firearm? Sure. But are you responsible for their criminal acts? No, they make the decision to steal themselves- and if you do a few things for your own security, you can keep yourself from becoming a victim.
I'd recommend a cheap pump shotgun and a cheap 9mm. If you don't feel like carrying, don't- it is a huge responsibility to carry a firearm, and you can (and should) think long and hard beforehand. Don't make your life about carry, but don't be too quick to carry and potentially draw when it's not a good idea, or freeze up. Train, train, train.