I recently got a Sentry fire safe. It has both a digital keypad and a key. I usually leave the guns loaded, laying in such a matter than I can grab them as soon as the door opens. I've practiced hitting the combination in the dark so I can get to them in a hurry.
I don't recommend keeping the guns loaded if there are children in your house, even if they are in a safe. Since I don't have children, and I access my guns on a daily basis for work, I keep them loaded.
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