+1My position on this subject has changed over the last few years I think.
Mine is generally mag loaded, chamber loaded, safety on.
I can see mag loaded, chamber empty with a shell beside the shotgun for dropping into the action for silent "load".
I personally don't see the benefit out weighing the negatives on "racking the slide for effect" so I choose to keep mine loaded/loaded safety on.
I am concerned, with children in the house, about keeping the chamber loaded. Until I get some kind of locker, if I can get to it, they can get to it. I'm not so worried about my kids (the know never to approach a firearm, that it is always loaded, to inform an adult if they find one) - it's their friends who visit that concern me. If I leave the chamber empty, that's one more step noisy step they have to take. As it is now, I keep it in the gun locker in the basement. No quick access, but also no chance of kid accidents. Gotta get that bedroom locker ASAP...
You have to have discipline. If you don’t have a safe, get some trigger locks (unload gun before using trigger lock). When you are home unlock and load. Before you leave unload and lock.
Good point on the cable lockYou could use a cable lock that goes through the action of the gun too.
You can keep the magazine tube loaded and the chamber empty and lock it like that.
This way you wont have to load and unload it everyday or mutliple times a day.
Unlock it when you are home or going to sleep.
Lock it in the morning when you have to leave.
Good point on the cable lock