I will address "handgun" first. I just typed that, since I type fairly fast, just read "gun".
As I stated, I think the laws in this state are not reasonable. Criminalizing someone is NOT the answer. All states have laws that will hold a person civilly liable for their actions if it results in the death or injury of another person. So, a PRUDENT person in another state, locks their guns up so they do not find themselves standing in a CIVIL courtroom being sued. Just like they do not leave their keys in their car in the driveway.
So there you have my minimums, the criminal laws about locking up your guns in this state should go away. Hope that answers your question.
BTW, just because there are criminal laws in this state, does not mean you will not be sued civilly if someone gets ahold of your guns and harms another person.
You have no stated minumums, just the fallback of a "PRUDENT" person....whomever that may be.
Here's a pick list for you....tell us what is acceptable
to you:
Doors to house unlocked, gun left unattended on a table, mag in, round in chamber
Doors to house locked, gun left unattended on a table, mag in, round in chamber
Doors to house locked, gun left unattended on a table, mag out, action open, mag on the table
Doors to house locked, gun left unattended on a table, mag out, action open, mag on the table, trigger lock engaged
Doors to house locked, gun left in an unlocked cabinet, mag in, round in chamber
Doors to house locked, gun left in an unlocked kitchen cabinet, mag in, round in chamber, trigger lock
Doors to house locked, gun left in an unlocked kitchencabinet, unloaded, trigger lock
Doors to house locked, gun left in an unlocked cabinet, mag in, round in chamber
.
.
.
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Unloaded in a safe, with a trigger lock engaged.
OK. I'm tired of typing. You tell us what you consider to be "prudent". Not in compliannce with Mass "safe storage" laws, but "prudent."
As for a civil suit....if the gun was at the bottom of a well, filled with concrete, I'm sure that a lawyer can still be found to file suit....so let's not muddy the waters with that liability.