This is the reason I believe in DA revolvers for home defense.
As far as cocked and locked, I think it's dangerous to have a loaded, chambered round, safety off, hammer drawn back, ready to fire, when you jump up from a deep sleep because of a crashing noise.
If you are in a state of even mild disorientation, a three pound trigger pull is chancy. Cocking a revolver and walking through the house with it is dangerous as well. Trip in the dark? Bad situation if your finger is in the trigger guard.
Just my thoughts. a handgun for night time defense is safest if you have a heavy and long trigger pull, and when you have a safe trigger pull, of course, keep the thing loaded, chamber ready, and safety off, because a DA revolver pull or a long pull on a striker fired handgun are very unlikely to cause accidental shooting.
Hope this is useful to you. I know it's not exactly what you were asking to hear. Myself, I use a pair of DA revolvers, a .357 lever carbine, a coach gun, and now, a glock as home defense weapons. All of them are pretty safe from accidental discharge. the two long guns require further actions to use. I keep the rifle loaded, chambered, but hammer down. Cocking it is needed. The coach gun is empty but shells are on the stock. I don't keep them where I sleep, so there isn't much chance that I'll stumble to the closet and shoot one of my cats.
BTW, the times that I have been awakened by a crash were usually tree limbs. Once it was a kid who drove down my street at 80+ mph and literally destroyed everything in his path and killed himself when he ran into a stone wall at the end of a cul de sac.
I sure as hell didn't need to be wandering around with a cocked revolver, right?