I generally have "carry guns" and "at home lounging guns." Sounds kinda weird, I know. Usually, my carry guns, which are always chambered, go into one of my safes, chambered. I have a bed side quick safe that always has a chambered auto in it. If I'm just lounging at home, I throw a polymer pistol in an uncle mikes neoprene IWB and carry it, usually in appendix position. But when doing so, it's generally not chambered. My logic is that I fall asleep when I lounge and sometimes when I stand up the uncle mikes doesn't do a great job securing my weapon or protecting the trigger, but it's super comfy when In sweats. if there's an oops moment, there's nothing chambered. I figure it takes me less time to rack a slide then it does to get to a safe, punch a combo and retrieve the gun.
Depending on the size of the pistol, I sometimes have to secure the holster IWB sweats and boxers, so there's enough tension to hold the gun up, if that makes sense?
That said, any time I'm fully dressed, I'm chambered.
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