I definitely keep a select item with a chambered round in the safe, but it's not a long gun. If I have to get into the safe in a hurry or under duress, a long gun just isn't maneuverable enough to do much good. If you want to keep a loaded clip in the AR, you can retrieve it and chamber a round on the way to the location of trouble. That would eliminate your concern of a round cooking off in the rifle and causing collateral damage. Actions are not cocked in any weapon that I keep in storage, with the above hand cannon the exception. I don't think that there is any danger to springs loosing tension over time with most weapons, it's just my mind set. Just like I don't keep loaded clips in storage - bad for them. And if I do, I don't max load the clip. One other general thought about weapons in safes, especially long guns... When I put mine in the safe, they are there for storage. They are lubed for storage. Keeping a round in the chamber of a rifle that has been lubed for storage serves no purpose and could create issues. When I'm ready to go shoot, the weapon comes out and is prepped for firing - surplus lubrication is removed and pre-fire conducted. This is my peace-time protocol. IF things were to escalate, weapon prep would change significantly.