I have three "loaded and unlocked" guns in my house. I also have an 11 year old and a 6 year old. They BOTH know that they don't touch my guns unless I have them at the range and have given permission for them to fire them!
I can't go for that.. no. If you do some research, there are pleny of products out there that allow one to lock up their gun near at hand but easily acessable if you have the right combo.
Face it.. kids are curious. What is more likely to happen? a home invasion or one of your kids getting ahold of the gun (to show off to friends, whatever)?
Yup, I will attest that they both know how to shoot.