My "nightstand" weapon is a revolver. It's a 7 shot Taurus Tracker. I keep it loaded with 38 hollowpoints.
Revolvers are simple.
Do you put your MP5 back in the safe every morning? Every time you leave your house/apartment?
As a firearms owner I have a responsibility to always secure my hardware. My good stuff is in the safe. The pistol is next to my bed and I often forget to put it away in the morning. I'm single, no kids in the house. I loose a cheap revolver if some tweaker breaks in while I'm at work. I would be highly pissed off if the tweaker got my $1700 PTR.
Truth of the matter is it doesn't matter. Springs last a long time. If you are that worried, leave it clocked always and change $20 in springs every year. My pistol is always chambered, but my SG isn't. Not sure what I will do with the clone...
But here's the other part... If you don't have time to chamber a round in your home, you're doing it wrong. You should have a dog or an alarm first. The real point is keeping people out, not shooting them on top of you.