I don't have kids around my house anymore. I keep my pistols at home without one in the chamber. I got a pistol grip shotgun with one in the chamber, safety on. I have had a surprise discharge a time or two in my life. Those experiences are not pleasant experiences. Luckily, no one got hurt. If I had kids around, I recommend not keeping one in the chamber. I try and listen to what my gut says, if it feels unsafe then I treat the situation accordingly. I believe you cannot be too safe with guns. I know all about the argument of having one in the chamber or not is potentially the difference between life and death. But all that been said, I have rationalized such that I'm not a police officer on duty or a soldier on the front line. I feel safe in my house with just a shotgun fully loaded. I know that Glocks will not fire if you keep your finger off the trigger. But like I said above, if I had little kids running around the house everyday, I would not keep a round in the chamber, no matter what kind of pistol it was. Just my .02.
Lots of folks like to keep pump shottys chamber empty, hammer dropped, safety off. A quick (noisy) rack and you are ready to shoot. Pretty safe for handling, and quick to deploy. Easy, with some practice, to rack one-handed if necessary.
Nobody has mentioned the possibility of having a hurt hand with an empty chamber in a handgun. Someone did say there are one hand techniques, but they are tough and require lots of practice. I carry one in the chamber with every handgun I carry.