As Certified NRA Personal Protection Instructor I can tell you that this rule is addressed in the Personal Protection courses lesson plans and and also specifically addressed in the Personal Protection outside the Home course video. If your gun is being carried or safely stored for Personal Protection IT IS ready to be used.
All guns are always loaded. All my self defense guns are loaded all the time. All of my other guns could be used in the role of self defense, so they are all loaded. The guns I use mainly for target shooting may not be loaded, but loaded mags are w/ or near them, too.
I keep all of my guns unloaded when they're at home. My 'nightstand gun' either has a clip in (not chambered), and safety on, or a loaded clip right next to it. I figure if anyone breaks in I'll have enough time to load it, hopefully
That is a gamble that I'm not willing to take.
When it comes to protecting my family, I need to be as prepared as possible.
Extra steps invite problems and could cost you dearly.
That's true. I suppose more comfort with loaded firearms will come in time. I've been collecting since about June 2008 and gradually getting more comfortable with them.
I'm not sure if it has anything to do with me living at home with my parents either. Maybe it's giving me a false sense of security that everything will be okay and there's no need to worry about it. (Hell, I don't even have a safe for my firearms yet.) In any event I'm sure I'll reevaluate my stance on the subject as I grow and mature.