So this may come as a dumb question...I have a Remigton 870 Express 12 Ga. for home defense (I know, real original). My problem is that my son is now 2.5 and is able to get into anything, How do I stay in a defensible position when I have to leave a firearm unloaded? I sleep with a Ka-Bar under the mattress in easy reach...but that leads to the old knife in a gun fight problem.
One way to look at it - which is more likely to occur, someone breaking in and you needing the weapon, or your children getting ahold of it when they shouldn't.
I think the answer depends on where you live, what your children are like, where the weapon would be kept, etc.
ANother option would be locking them up in the morning and unlocking them when you get home.