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not knowing if (1) any kids in your house or (2) you or your spouse are the only one with access to your car, i will answer with my feelings, with the assumption its just the 2 of you, and no kids to 'find' your weapons.
What I have done for years:
- -- I have no kids in my house our vehicle
1 - I have a safe for many of my guns in the house, but also have 2 handguns and a shotgun not in the safe.
-- the 2 handguns are in easily accessible, yet not in plain view locations
--- both are loading and chambered, ready to fire

-- the shotgun is hidden in closet, but would be easily found if someone was looking
----- the shotgun is the only weapon i have accessible, which does not have a round chambered. I want the "clack" of the slide, to be heard by an intruder. Also if a friend happened to find the gun, they wouldnt possibly just pull the trigger and it would discharge

--- many other guns are in the safe, more so, so if I have a break-in, most of my guns wont be taken

------- the 2 handguns which are not, if they can find them, well, I cant stop them from taking them

2 - in my car,
I have a weapon in my armrest, ready, loaded and chambered
-- i used to use an underseat safe, but with many issues, it became problematic (power seats, too many cables, couldnt get the safe in/out easily) had to put in trunk, and if i was 'jacked', its very difficult to say to the carjacker ' please wait till i get my gun out of the trunk'

In the end of the day, I think my house and cars are as safe as they can reasonably be.
The guns are not in plain sight or easily accessible