If you have kids in the house, or who visit (like I do with many of my young grandchildren) I would not have an unsecured firearm in my home. Little kids have been known to come into Grandma and Grandpa's room late at night because they had a bad dream, and if they have trouble waking me or if they decide to look around before waking me, the last thing I want them to find is a loaded gun.
I use a GunVault secured into my dresser. Yes, it takes me a few seconds to get out of bed, open the door, enter the touch pad combination and draw my loaded gun, but I think this is a worthwhile compromise between immediate access with no safety for children and difficult access with maximum safety (keeping all guns in a real gun safe).
I guess that the odds are a lot higher for me to have a grandchild curiously looking around my bedroom than for me to have a home invasion while I am sleeping. Maybe I'm wrong, but I will not put my grandchildren at risk of finding a loaded gun.