I keep all my firearms in a their proper configuration. I store spare bolt carrier groups in a double ziploc bag with oil so if the one in use has a malfunction I can take the spare and drop right in. All firearms are loaded. Rifles have no round in the chamber except the Garand and Shotgun. All the pistols are loaded full mags with one in chamber.
The AR next to me as I type this has one in the chamber and safety on. BTW all the firearms witha round chambered have the safety engaged.

For the record I have 4 kids....14,13, 10 and almost 5. They all know proper gun handling procedures...with exception to the 5 year old who knows its only ok to touch "Dad`s" guns when we are at the range or cleaning them. The older kids really could give 2 shits about the firearms and rarely ask to habndle them unloaded since we shoot so much and I have not kept firearms a secret from them. Also I have Col. Cooper`s 4 rules to firearms posted all over the house and kids have to reread them once every 2 weeks or so. They are all very safety conscious and if SHTF I can count on them to take out the zombies when they come a knocking.
YMMV.

ALSO anyone one who has shot with me and my kids have commented on how safe my kids are and their muzzle dicipline is better then most adults.
IMHO Safety is something that is continually taught and something like removing a bolt is a great idea but that can breed complacency for people who "know" the gun is safe and treat it diffrently then if the firearm ALWAYS has the potential to fire a round.
I was a line Gunner in the Navy and also taught shipboard tactics and security and the lessons I taught the crew on firearm safety has done me good in civilian world with my family.