My wife and I have small children as well.
First of all: there is a difference between a "round in the chamber" and "magazine in."
I keep my weapon magazine in but not engaged, safety on, no round in chamber. The condition of the handgun is such that I can put it in battery in 1 second, yet a child could not figure it out.
Our kids are never alone without our supervision in places where we keep our guns (in our room, basement, etc.) so we have very little concern. We are always with them engaged in some activity. They also know I have guns and know clearly their boundaries. So it's not just about "safeties" or safes, it's a whole system of knowledge and training.
Even if the kids found the gun and were alone without us for a sufficient time, they are unlikely to be able to figure out how to insert the magazine and certainly don't have the knowledge or strength to rack the slide. Revolvers are kept unloaded with stacked speed loader nearby and ready to insert.
In your situation I would suggest this:
(1) Get training as others have suggested and make absolutely sure you are comfortable and understand the various conditions of a parked weapon, knowing the difference between a round in the chamber and one that is not.
(2) When it's just you at home, keep the weapon in the drawer or wherever easily accessible with magazine in, slide not racked, no round in chamber
(3) When kids are visiting, remove magazine and put in place that is separate from weapon where kids are unlikely to find, yet still easily accessible for you.
(4) Bottom line: know your weapon, its conditions and its whereabouts at all times to the point where you are comfortable.