My Home D gun is a revolver, and strange as it is, it's actually loaded, with the cylinder out. The case I have for it, I've molded it like that. I haven't quite figured out why I don't have it loaded, but that's what I'm use to with my revolver...
But if it's on me (holstered) my Steyr M40 is chambered, full mag. It's safer that way. If I'm in a less than hostile environment, then the safety is on also (like my house) but if I'm outside like camping and carrying, then the safety is off.
Unchambered is a bit of a funny concept. I mean, rule #1 is "Every gun is loaded" (I don't like the "Treat every gun as if it were loaded, I think it should be changed to Every gun is loaded. Just state it period.) So if every gun is loaded, then I treat it accordingly, and never change my mental state. So if I go and pick it up, it should be ready to fire. If not, I'll have to "Tap Rack Bang" and that might slow me down in a firefight.
The safeties on modern guns are incredible. Unless the trigger is pulled, it's almost near impossible for my gun to go off by itself. (AD's just don't happen if you keep the finger out of the trigger well)
Albert