but as of right now I have kids and cannot keep a loaded gun in the house.
This can be a touchy issue for some folks, especially when one spouse is not in agreement with the other. As a fellow gun-owning parent, here is what I know:
1. Provide reasonable barriers to access for children that simultaneously do not greatly impede your own emergency access.
2. Understand that no such barrier is 100%
after a certain age. That age will vary by individual but at some point, even a locked safe is not totally impregnable to a resident kid with enough intelligence, determination, and time. For kids of a certain temperament, just knowing that there is a locked safe can add to the determination. There is also
always a chance of encountering guns in other places where you have little or no control over the environment.
3. If you fully appreciate 2, then you understand that the real work is with the child. The answer is the exact opposite of what many parents think or have been told. If there are guns in your home, there are guns in your lives and they need to be a normalized and well-respected part of your kids' lives.
Fight novelty and secrecy. Give your kids familiarity with guns and push respect for them as potentially dangerous tools. (Depending on age, it might not be entirely different than a woodworking dad having power tools and a small workshop in the home.) You might not want your kids in a sealed room with open solvents but let them see you maintaining your guns. If possible, have them help you. Include your kids naturally in responsibly held recreational shooting activities. It might mean having them watch you at first (with proper protection), and then helping them to use a pellet gun or youth rifle when able. A child who understands and respects the power and seriousness of guns will be the safest child around guns, whether they are your guns, another kid's parent's guns, or some lost gun they find in a field. Like anything else in parenting, it takes vigilance.
That might be a lot to take in and this might not be the place for a parenting debate. Tying back into the thread, how much child safety is
really gained by keeping an unloaded semi with separate loaded magazines? It's probably about as much as you'd get by keeping an unloaded revolver with separate loaded speed loaders or moon clips. So neither really has a big advantage over the other and neither should be your primary child safety mechanism.