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During the day it stays in the safe as I always have a pistol either on me or within easy reach. At night, I keep my AR carbine next to the bed, unloaded, with a full magazine loaded with 55 grain soft points next to it. The main reason I don't load it is that I already have about 5 loaded handguns within easy reach also, so I just haven't felt the need. I think that's enough to meet nearly any unexpected trouble. I can load and charge the carbine in a few seconds. If I expected trouble, I'd load the carbine before it found me.

I know that's not tactically very sound, but between all my other guns, my wife's three loaded guns at her bedside, and a dog that will eat the hindparts off anybody who comes through the door uninvited, it just doesn't seem like a pressing need.