Cruiser ready is the way we go here too.
Magazine is loaded 'one down' or one round short of being fully loaded. That leaves room for inserting a different load into the mag than the buckshot it is loaded with, and relieves a little pressure on the mag spring too. There's extra buckshot on board in the SideSaddle and a couple of slugs too.
Hammer's down on an empty chamber, always checked visually and manually before dry firing, safety's back on before the gun goes back into its hidey hole.
Takes too much time to load the magazine from scratch, don't like to keep it empty- but the slide can be run as soon as you get two hands on the gun, with the mag loaded. Don't like to keep the chamber loaded on a house gun, for sure when action is imminent but not when it is just sitting on the pegs. If you cut things so close you can't rack the slide on a house gun when you pick it up... well, maybe a bit more situational awareness and/or perimeter security is in order.
Stay safe,
lpl/nc