Even when kids were in the house, Cocked and locked in a holster under the pillow.
I don't understand this "too groggy to think stuff." The cat jumps on the bed I am wide awake. I know its the cat, but I am still wide awake.
There has never been a single instance in the twenty some years of sleeping this way that I have ever had the gun out and in my hand when I did not have a clear idea that something was amiss.
I have never pointed my gun at my kids, or the dog or the wife up checking on laundry (she often does loads over night to save power costs) I have drawn the gun when the car alarm went off, or when the paper boy missed the front door and broke the sidelight, But I have only pointed it twice, once at a drunk banging on the wrong door, and another when someone thought it was funny to try a prank at 3 am. Both times, I was wide awake, aware of my surroundings, and up and moving before the "pointing" took place. Once I figured out what was going on, the gun was put away before the "target" even knew it was almost a goner.
I started sleeping with a gun under my pillow some 25 or so years ago after waking up and having some junkie standing in my room. He had a knife, and a bag of our stuff he was stealing, and I had nothing to speak of. I just got real lucky and decided it was never happening again.