I find that unless i'm at the range the less I cycle a firearm and ammunition the better off I am. Especially in a home environment.This is a very good point, something that honestly I didn't think about as I'm always very careful while loading/unloading.
I carry my Glock 17 with 16rds in the magazine, and one in chamber, and have been working out of my box of 20 GoldDots. So I have been cycling the 4 left-overs between the round that I chamber each time. I'm trying to keep the cost of my SD ammo down as much as possible as I'm working on a College student's budget. The more I save on SD ammo, the more target ammo I can afford. That said, there isn't a price on safety, and you can't cut corners. I really liked JettaKnight's method, it seems reasonably affordable, especially if I don't unchamber as often.