In 40+ years, never need a gun within 30 seconds. The risk of having a loaded handgun (with kids in the home) are great.
You seem to be saying that the risks of owning loaded guns are high, and the benefits are low.
Fine. Keep all your guns unloaded. Better yet, if you have kids in the house, sell the guns.
Done. You've made your choice.
I have only two additional points:
1. It is not my business if you make a choice that is different than mine. I only get steamed when someone (not you) says, "I've decided to not have guns because I think they're too dangerous; therefore, EVERYONE should be prohibited from having guns, and anyone who owns guns is endangering their children."
2. Why are the risks of gun ownership around kids "great"? The potential harm (one part of risk) is incalculable (as it is with cars, matches, ovens, knives, electricity, alcohol, windows, bicycles, bathtubs, power tools, garage doors, pools, household chemicals, etc.), but it is manageable down to a very low probability (the other part of risk).
The potential harm of not having a loaded gun when you need it is also incalculable--to you and your family. What is YOUR probability of that harm, and how much can YOU "manage" that risk downward?
I have had young kids in the house for over 10 years. I have had loaded guns in the house for all of those years. No "accidents" yet. (Just luck? Maybe, but the harder I work, the luckier I get.)
If you want to look at two books, Gary Kleck's
Targeting Guns (his two newer books,
Armed and
Point Blank seem to have much of the same info) and John Lott's
The Bias Against Guns: Why Almost Everything You've Heard About Gun Control Is Wrong, I think they'll give you all the data you need.
Then make your choice, and be happy with it. Everything is a risk.
G-d bless, and Merry Christmas.