Jim is right on here IMHO. I either have a gun on me or within a second or so reach at all times in my home. The ones that are not on me are far out of reach of the 7 year old.
How am I asking for trouble again?
Finally, I think most people in general would tell you an unloaded gun is just a hunk of metal. Like a car without fuel is a hunk of metal. <sigh>