And that might work or it might not. Suppose there is a sudden, violent home invasion. You grab the gun, deal with the issue, and then have to deal with the police. Are you going to claim that you either 1) had the trigger lock engaged on a loaded gun or 2) had time to remove the trigger lock, insert your magazine, cycle the slide, remove the magazine, insert the extra round before dealing with the issue? You think they will really believe that? Once police and/or DA suspect you are lying about one thing, they may have a hard time believing you about other things.That's why you always keep an opened trigger lock near the handgun. Never put it on the gun. So if the federales come into your house just say, "I just took the lock off then had this medical/other emergency".
Concerning a medical emergency, I don’t see how having a trigger lock next to the gun helps you. Are you going to claim that you felt heart pain, you unlocked your gun because reasons, then passed out? Is that really going to convince anyone?
You can decide that this risk is worth taking. That’s fair. I’m just pointing out that the police might end up in your house without you expecting it or having time to either put the gun away or take other preparations.