I don't have any kids in the house, so my guns are loaded all the time. I only unload them for transport.
I understand your point on the loaded chamber, I guess you could keep a semi-auto on an empty chamber with the bolt open and the mag loaded, then just trip the bolt release to chamber a round. This would about the same as keeping a pump on an empty chamber, though you have probably have a higher possibility of a jam.
Pumps are the most reliable, I like them just fine. I just don't like the idea of announcing my presense to an intruder.



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