I keep my pistol chambered, but I decock it so that it has a double action first trigger pull. I'm just comfortable carrying that way. It's the primary reason why I don't like all these glocks and striker fired guns.
My shotgun has no such feature (nor does any other shotgun that I'm aware of), so I keep it chamber empty. When cocked, it's trigger pull is hair-light. I bet a good rap on the butt could trip it.
When I wake up in the middle of the night, I'm either gonna be half asleep, or full-tilt adrenalin pumping. I figure I might forget about flipping the safety on the shotgun. However, to me at least, racking the gun seems natural after picking it up, and that racking movement is much more conducive to being half asleep or fight/flight mode, than flicking a safety.
Is the racking sound a deterrent? I'll find out when someone makes me use the shotgun
So you're more conditioned to immediately pick up your firearms and rack the slide than flipping off the safety?
Not me.
What if your scenario is the BG coming in through your bedroom window or maybe he's already in your house and busts into your room, waking you up? With that adrenaline dump, confusion and sleepyness, are you gonna have the dexterity and presence of mind to load the round and fire? I won't gamble on that. Clicking the safety off and pulling the trigger seems like a better option for me. YMMV
I agree with this, again, I stated I keep mine fully loaded. I have however seen people who had trained themselves to the point of sleep loading their firearms. I am not one of them.
I respectfully disagree with keeping the chamber open and a round nearby.
If I were to keep the chamber open and one nearby, I see this happening:
"CRAP, someones breaking in! (grab the shotgun) (get ready for confrontation) CRAP I forgot to grab the loose shell! (run back) CRAP where's it at? (it fell behind the cabinet, the dog ate it, etc...) CRAP ( I close the action, then try to re-chamber a round in, only to remember after struggling that I need to hit the release to allow me to open the chamber without pulling the trigger, now I'm late to the party and making excessive noise...
as compared to:
"CRAP, someones breaking in! (grab the shotgun) (get ready for confrontation) (rack the pump) (confront intruder, if he hasn't already left in cowardly fear)
I also would see myself fumbling for the spare..... which is why (as I stated above) I keep mine fully loaded, safety on.