If you don't have any kids in the house, keep gun loaded. and off safety. If carrying on person, keep loaded and off safety. Personally, I like single actions.
I have an old 38 police special. I really like revolvers but here in Florida don’t usually have a jacket on most of the time. I generally carry a .380 with hollow points or a double barreled .38 special derringer. There’s always one in the chamber.