I hope you practice loading and unloading in the dark and under pressure! I never understood keeping an unloaded gun. Or when people say I will just get it out of the safe. Most people will be in such a panic that there will be a disconnect between the brain and hands while trying to open the safe, no matter if it's combo, key, or fingerprint. That's why practicing loading and unloading in the dark and under pressure with loud music, noises will create muscle memory which is the most important thing.
Although it's been a long time I had to reload (or clear out a jam) under what I assume would be a much higher pressure than could possibly be created by "under pressure with load music, noises", I don't think I would have a problem with that today.
Shells have a profile that are easily identifiable by feel as I which end slides in 1st. When, and only when, I do have a round in my weapon, it is chambered and I am expected to use it in the immediate future such as when I am in the field hunting (haven't done that in many years) or at a range.
Plus the sound of a couple of shells sliding into the magazine also may have an effect on any intruder.
Unless there is a trigger lock (I don't use them) I do not think it is a good idea to keep a loaded weapon in the house; I keep unloaded weapon up against inside wall of my bedroom closet and 00 shells in my dresser. All other ammo is in a locked box.
I do not have a gun safe although my other firearm is in a locked gun case — I would never use that one in my house as the projectile would go thru the intruder, the wall of my house and if pointed in that direction, the wall of my neighbor's house.