Thanks for posting this. I think the lesson for all of us is that no matter how diligent we think we are, all of us can make an error at some time. I keep both of my carry handguns loaded, and generally in a Desantis pocket holster. They stay in the holster in my small safe in my dresser and go right into my pocket, still in the holster. One is a semi, one is a revolver and in both cases all it would take is a trigger pull to fire the gun. But both triggers are covered by the holster so I really do not overly worry about a negligent discharge.
That said, I have other guns in my safe that unloaded, i.e., no magazine is in the gun, but the magazines are fully loaded. I keep each handgun in a zippered case so that the unloaded gun and the full magazines stay together and would be ready for use by just slipping the mag into the gun itself. Even knowing that the gun is unloaded, if I remove it for cleaning or any other reason, I always cycle the slide to make sure that there is no round in the chamber.
I also keep a loaded 12 gauge on the wall of my closet in a ShotLok holder, bolted to the wall. The gun cannot be fired while in the ShotLok but if I open the ShotLok the gun is ready for use. I am super extra careful with this long gun since it can be months and months without it being touched, so if ever I have an accident, I guess it is most likely to be with this gun. But as my SHTF home defense gun, I would not want to first have to load the 00 buck into the gun at the last moment, and prefer to have it loaded and ready.