ALL of my guns are loaded, all of the time.
First in line is my Glock 34, which is loaded & chambered and holstered all the time.
127gr +P+ Winchester Rangers are proven against just about everything, including auto glass.
Second is my red-dot equiped Remington 7400 in .30-06. 10 round mags full of 150gr ballistic tips. Factory 4 round mag full of M2 Armour Piercing (tungsten core) black-tips. Yeah, I'm paranoid. I don't want to use this indoors, I'll be temporarily deaf and probally blind.
Last in line would be my 12 lb .338 Lapua Magnum Armalite AR-30. Mag loaded with 5 rounds of 250gr Scenars (BTHP) at 3,000fps, with over 5,000lb/ft of muzzle energy. I *really* don't want to have to use this one indoors! (and based on complete penetration of 3/4" plate at *500yds* using *Ball ammo*, I would say overpenetration would be 'of slight concern...'
I don't keep the rifles chambered because they're not very drop-safe.