Well, except that carrying a gun is really 24/7. In the house, outside the house, out and about. There is no reason to unload a carry gun, if you need to secure it while not under your immediate control, then store it hot in the holster in a secure lock box. Even then if you have to get to it in a situation at least it will be loaded. Otherwise precious time is wasted trying to reload it and get it hot. The other down side to load/unload is bullet setback. It's not, if but when, it will setback from repeated loading. 9mms/45acps not so much, but certainly 40S&W. This is a box I keep by the garage, $50. Otherwise my carry gun is under my immediate control, always.