I've never owned a handgun, but breaking a routine is easy to imagine. That's why many jobs have various checklists required on the job, even after twenty five years, or thirty.
Nobody reads a checklist at home, or can they remember which one, in a fluid situation?
Years ago when my son was very young, the idea of having a handgun seemed to be a bad idea. I only touched the old. 22 rifle (or any gun) just once, over a span of twenty years, and it was in the attic.
Somehow we all survived, with no available gun.
My son has always been the most important thing in the world to me, by far.
A handgun easily could have been a huge risk to him (little boys can find weapons plus ammo, and notice/perceive what we don't realize), compared with the microscopic risk that anybody would consider breaking in while we were at home.
The only break-in we had (house had a church soccer field behind it) was when we were gone for one hour, about 0700 PM in early December. That is high season, with so many activities, especially after people drive to work/school.
You can't replace your kids.