Let me add one more thing.

Kids or other family members in the house?

My setup is:
XD-40 in the safe next to pillow, 165g Golden Saber, one clip w/ 12 rds
Tactical NEF 12ga pump w/ "00" buck.
My concern at night is; a daughter sleeping upstairs, second daughter and my mother in law in the basement. No worries of hitting neighbors.