Both require fine and complex motor skills that will be absent when the Adrenaline is coursing through the veins. The best way (IMHO) is to keep the pump gun "cruiser ready". Empty chamber, hammer down, full mag tube. With gun clear (empty), pull the trigger. Hold the forend forward (action completely closed, locked) and load the mag tube. When you need to use the gun simply rack the action. DO NOT USE THE SAFETY.
We have shotguns that sit in racks with fully loaded mag tubes for many years and they do not seem to have any issues with mag springs failing.
Depends, when I lived out in the country I always had a loaded 12 guage or 410 behind the door heading out into the backyard. It was mostly for coons and opossums. The reality of this is, I live in town and have guns all over the house unloaded and I don't worry about intruders, I could hold my own if one did break in but I'm not worried about it. If I lived somewhere I had to worry about intruders, I would move. I know I'm a good shot and I know I wouldn't think twice, but I really don't want to find out. When we move back into the country I will keep a load gun for varmints and nothing more.
I'm a Right-Wing, Anti-Illegal, Pro-Life, Gun Owning, Straight, White, Politically Informed, Conservative, Christian Male.