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I generally keep one effective defensive gun loaded all the time. Either a handgun or a shotgun, but since I shoot my primary carry every time I go to the range, it's usually a matter of loading a secondary gun, switching the primary to practice ammo, and shooting it, then reloading it with defensive ammo before switching the secondary.

Since I do as much of my practice as possible either on secluded private property or at ranges on low-traffic days, I might appear to be a desirable target for someone doing some gun-shopping. I also unload anything I'm not carrying to the line with me to make sure I don't accidentally arm my opponent. (Sure, the ammo's there too, but can they load a mag faster than I can use a loaded gun? I primarily use electronic muffs, and can hear squirrels running around the area between shots, so they better be real quiet if they're sneaking up.)