Loaded and ready?
You bet. When I'm not home everything is locked in the safe. When I'm away from home a Berreta 22 is usually in my pocket. The first thing I do when I go get home is unlock the safe. That's the first thing I do in the morning as well. There one could find my Ithica 37 loaded with buchshot in the magazine only, the mini 14 with a 20 round magazine loaded with frangible bullets, none in the chamber, the 44 Mag. loaded, the 40 Glock 35 loaded with 16 rounds, the 1911 loaded with 9 rounds. The Glock with tactical light goes to bed with me every night. The wife knows how to shoot every one of them as well. Spare magazines are loaded and hanging on the safe door and walls ready to go. The cell phone sits next to the Glock every night.
Admittedly, it's easier for me since my kid is grown and out of the house. Keeping your defensive weapons unloaded is senseless, and keeping the ammunition in a separate location is insane.
Sound like paranoia? Well in the last two years, within 20 miles and sometimes closer, we've had at least a dozen home invasions, wherein at least 5 people have been killed. In one instance an entire family save the father, who wasn't home, perished.
I'll go with paranoia and preparedness!!!