well, I have two mags loaded up for the P89 and shells ready to go for the shotgun, but I live on base, and am already breaking the rules by doing that, so I dont carry it around the house, but it would take me less that 10 seconds to get to the pistol and give somebody else a bad day while I am loading up the shotgun. Base security would be responding just in time to clean up the mess.
Not a high violent crime area, however things can happen anywhere and you just never know. If I move back out in town, definately carrying around the house.