I had to change my vote in the poll. I used to keep them all loaded, but since I've 3D printed a bunch of pistol stands, reality is only the long guns in the safe are loaded. I've always though of it as "I treat them as though they are loaded, so they might as well be loaded." None actually have a round in the chamber, but the magazines are all full and in the rifles. The ones that are in cases outside the safe (the skeet shotgun, Brown Bess, etc.) are the only ones being stored without any ammunition... they have such a long setup time, there is no point to having ammunition with them.