Tiff, thank you so much for asking questions. I really do appreciate it.
My gun is in a closet next to my bed. I have a key in the nightstand next to my bed and in several other locations in the house including my daughter's room. My plan (former military -- I have a plan) is to grab my gun and get to my daughter's room, then unlock the gun. I have been handling firearms for sixteen years, but I don't want to be running with a loaded weapon under that much stress. It's not safe. Even the most experienced firearms instructors make mistakes when fight or flight kicks in (another reason I don't want to load a gun then -- if you load it incorrectly it can jam at best or blow up your hand at worst). Of course, that plan could go out the window depending on the circumstances (which is why I have keys hidden in several areas). You never really know.
The chances of being broken into are really low. I doubt I'll ever have to use my gun to defend myself. I'm not the shoot instantly type either. We would likely hole up in a closet and and hope the police did get there. However, if they don't I can defend myself.
I think one misconception about keeping a loaded gun around is that we want to use it. I definitely don't. People like your friend, Tiff, who want to act like cowboys and say stupid things like 'I hope it happens to you' are doing so much damage. They make me just as angry as those who accuse gun owners of hating children.
In all the talk about gun reform, I hear very little about education and that bothers me. People who are irresponsible and uneducated are causing problems for all of us. I think you should have to pass a firearms class to own a gun. And don't get me started on arming teachers. That is one of the worst solutions I have ever heard.
I agree reform is needed, but a ban is extreme. We need to enforce current gun laws, increase education on guns, increase access to mental health services, and ban guns from the irresponsible few who are too stupid to take basic precautions.
ETA: Response times for PD vary hugely. If you're in a well populated area and it's a slow day a three minute response time is possible. I live in a smaller suburb (about 30,000). We only have four police officers on duty at one time. If they're tied up, they have to bring in a police officer from the city and that takes time. My cousins live in a rural area. They have one county police officer to cover a 50 mile area. You can imagine what the response times are for them.
When we got shot at, I knew every available cop in a city of a million people was on the way. Cops get really angry when you shoot at ambulances because we work so closely with them. But we were in a more rural area on the outskirts of the city. It was a worst case scenario type of thing that I never thought would happen in a million years. Previously, my worst experience with a patient had been a drunk guy wielding a decorative sword.