I am going to try and ignore the above post, as it makes no sense at all...unless you live in CA, as the poster does.
If you have small children in the home, take appropriate precautions. Otherwise, having an unloaded gun is worse than worthless. Wrse yet, continually loading and unloading a gun creates more problems than it solves. Most NDs occur during administative handling.
Another un-informed post.
If you "store" your gun underwater, you will have a problem. I have both semi autos and revolvers that have remained loaded for years at a time.
There are plenty of examples of people who have a 1911 or a Model 10 in their nightstand or drawer for 25-50 years at a time. Pull it out and it still works.
Don't over-think it. As long as you can prevent un-authorized access, you will not have a problem. Period.