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Having guns with children in the house are a compromise at best. That's why for an added layer of protection, up to a certain point, in addition to locking them up or having them on my body I leave them with mag in no round chambered.

Not that its an excuse to be complacent but If I forget to lock them up or by some chance they get to them when they are not supposed to they might be able to pull the trigger but it's not likely that they will have the strength or knowledge to chamber a round.

It's not the best way to carry or have a gun available for defense but with kids, especially small kids=compromise between accessibility, readiness and safety.