I live in Ada,OK , and I've thought about some of the same things, too. I thought about SBRing my Kel-tec PLR-16, but then I couldn't leave it loaded in my truck. As far as OK law goes, the PLR-16 and an AR-15 pistol are both in fact pistols, and they are covered by the OK Concealed Weapons Permit. You can carry them loaded on your person or in your vehicle.
In Oklahoma the max CCW caliber you can carry is 44mag. anything bigger is illeagle!
That is flat out wrong. .454 Casull, .45 ACP, .45 LC, and anything smaller in diameter is legal for your concealed carry piece. This includes a .223 AR-15 pistol, and it even includes a .308 Savage Striker pistol, provided you can conceal it. The power doesn't matter. It is only regulated by caliber (diameter) being no larger than .45.
Any concealed handgun when carried in a manner authorized by the provisions of the Oklahoma Self-Defense Act, Sections 1 through 25 of this act, when loaded with any ammunition which is either a restricted bullet as defined by Section 1289.19 of Title 21 of the Oklahoma Statutes or is larger than .45 caliber or is otherwise prohibited by law shall be deemed a prohibited weapon for purposes of the Oklahoma Self-Defense Act.
Before anyone asks, the restricted bullet in Section 1289.19 is of certain construction with very specific coatings designed to go through a body armor vest or shirt of ten (10) plies or more of bullet resistant material. It is not restricted because of caliber.
Any person, except a convicted felon, may transport in a motor vehicle a rifle, shotgun or pistol, open and unloaded, at any time. For purposes of this section "open" means the firearm is transported in plain view, in a case designed for carrying firearms, which case is wholly or partially visible, in a gun rack mounted in the vehicle, in an exterior locked compartment or a trunk of a vehicle.
Any person, except a convicted felon, may transport in a motor vehicle a rifle or shotgun concealed behind a seat of the vehicle or within the interior of the vehicle provided the rifle or shotgun is not clip, magazine or chamber loaded. The authority to transport a clip or magazine loaded rifle or shotgun shall be pursuant to Section 1289.13 of this title.
Except as otherwise provided by the provisions of the Oklahoma Self-Defense Act or another provision of law, it shall be unlawful to transport a loaded pistol, rifle or shotgun in a landborne motor vehicle over a public highway or roadway. However, a rifle or shotgun may be transported clip or magazine loaded and not chamber loaded when transported in an exterior locked compartment of the vehicle or trunk of the vehicle or in the interior compartment of the vehicle notwithstanding the provisions of Section 1289.7 of this title when the person is in possession of a valid handgun license pursuant to the Oklahoma Self-Defense Act.
No CWL, rifle and shotgun must be completely unloaded, chamber and magazine. In a '94 Winchester, this means a completely empty nonremovable tubular magazine. In a 1911, this means removing the magazine from the gun. You don't have to take every cartridge out of the magazine; you do have to take the magazine out of the pistol.
With a CWL, you can have the magazine loaded; however, the chamber still has to be unloaded.
There are no laws concerning the storage of loaded removable magazines (like most pistol mags) or loose ammo. An chamber empty, magazine empty rifle or shotgun can be sitting on top of 1,000 rounds of ammo, and it doesn't make it loaded and illegal. You don't have to store magazines or ammo "out of arms reach" or "in a separate locked container" or "in a separate compartment."