> I might keep the gun safe in a more accessible place (e.g. the garage). I might store the firearm in the gun safe with a magazine already seated in the well.

In many U.S. states a gun safe or other secure storage isn't required. (And even when required people don't necessarily obey it.) Getting your gun might be as simple as grabbing it off the living room wall. It might even already be loaded. Even in households with children--that's why accidents happen.