Thanks for all the responses everyone!
Right now I think I'm leaning towards the 75 BD. My reasoning is this, so please address specifics if there's something illogical or have a different perspective:
1. This isn't a carry gun, so I have no reason to carry cocked and locked.
2. I figure while shooting at the range it really doesn't matter either way, so the decision comes down to which is better for me as a HD gun.
3. As a nightstand gun, I don't plan on keeping a round in the chamber as I already addressed my concerns over using it with sleepy judgment (chambering a round is my way to make sure I'm alert enough to use a gun). The only reason it seems to me that it would be necessary to keep a round in the chamber for a HD gun is if you didn't wake up until an intruder was already in your bedroom, which I think is a) unlikely I wouldn't wake up until that point, and b) if someone with the intent to harm me is already in my bedroom when I wake up, that battle is probably already over.
4. Because of 3., the only time I would likely use my pistol for HD is if I'm woken up by a sound in the house or outside. So I see the likely scenario in that I would rack the slide, then decock the pistol since I like the idea of not having to worry about a safety and if I'm sleepy or startled by a noise, a decocker would be a safer bet than doing it manually. Also, I feel DA would be better for the reason of if you flinch because of a noise or something there's not much chance of it going off, while still having it ready to go if need be without flicking off the safety.
Sorry for the long post. I know this probably seems like a lot of fuss over 'B' vs. 'BD' and that I'll be happy with either, but I'm limiting myself to one full size 9 for probably the rest of my life so I want to ensure it's the best one for me (nothing against big collections, I just believe in 'less is more', and would rather spend money on more ammo).