John, what else can we go with when planning for safety? I have two kids under the age of 5 in the casa...hard for them to rack most of my weapons...
Jabotinsky ~
That, right there, was why I got in the habit of carrying even at home. (We have five closely-spaced sons who are now mostly into the teenage years.)
Because I have more than the average number of kids, I do know something about small children. So I've really got to urge you NOT to rely on "but they can't rack the slide" as your sole layer of safety between them & a terrible tragedy. Adults sometimes make mistakes, and can accidentally leave a round chambered. Even if the adult makes no human mistakes, little kids can rack a slide, under some circumstances. If the kid is mechanically inclined, or just really stubborn, it might occur to him to shove the slide against the edge of the table, putting his full weight behind it. Furthermore, small children have a really disconcerting habit of growing faster than their parents expect, and suddenly learning to do stuff they were completely incapable of doing just last week.
Just as it's a bad idea to rely on a hopefully empty chamber, it's also a bad idea to rely on a really stiff trigger that a small child "can't" pull. All of the above applies (kids do grow). And one of the classic patterns for small children shooting themselves involves the kid exploring the gun from the muzzle end and pushing the trigger away from him, while the muzzle is pointed typically at his face or upper chest as he leans into it.
A two-year-old sitting on top of my fridge one afternoon taught me how ungood it is to rely on storing anything "up high where the kids can't get it." It doesn't matter how young the kids are, or how generally well behaved; if they want to badly enough, they can indeed get up high enough to reach anything in the house.
If you are not willing to do whatever it takes to keep the guns absolutely, totally, 100% reliably out of your children's unsupervised hands, then you probably should not keep a gun in the house while you have small children. The danger is simply not worth the risk.
This does not mean that you leave your kids in ignorance, by the way. As the kids grow, they need to be exposed to a very deliberate program of firearms education, starting from the time they are old enough to talk (www.corneredcat.com/Kids/firstlesson.aspx) and continuing up through the high school and early college years (www.corneredcat.com/Kids/talking.aspx).
Bottom line, on a thread-related note: if your personal assessment of the costs vs benefits means you decide not to keep a round chambered for whatever personal/tactical reason you choose, I might disagree with you but it's not worth anyone else worrying about. But if the reason you're not keeping a round chambered is because you are keeping otherwise-loaded weapons somewhere you believe or suspect your young children can get to, well, that's just a Really, Really Bad Idea, because you are gambling your children's lives (and your family's happiness) on something that is decidedly less than certain.
Teach your kids, keep the guns locked up when not in use, stay safe.
pax