If the weapon is on your body, inside or outside the home or vehicle -or in an off-body bag (i.e., purse, sling bag or backpack) - carry with one in the chamber. There’s no asking your attacker to delay that attack so yo can load your firearm.
It’s not gonna happen.
If the weapon is not on your body, let’s say on the night stand, in a night stand drawer or in a bedside holster; for a semi-auto, remove the mag, eject the chambered round, put it back in the mag and re-insert the mag into the gun. Don’t make the mistake of racking the slide because you only have to go through unloading the weapon, again. Some prefer to leave the mag out of the gun and lay it next to the firearm. For a revolver, and hopefully, you’re using a speed loader, speed strip or moon clip, remove the rounds, place them in whatever loading device you use and set it beside the weapon.
Here’s why. You’re asleep, and - for example - awaken by a noise, voices or both, around 3 a.m. You rise up, still half asleep, pick up the gun (with one the chamber) and pull the trigger…negligent discharge. Not only have you put an unwanted hole in a wall or piece of furniture, you just alerted whoever’s in the house, that you have a gun, or even worse, you may have shot a family member who’d come into your room…bad scene all the way around.