Most gun owners keep their hand gun loaded, even while in storage. Some may even keep them with one in the chamber too. It's done for the ready. When seconds count, to potentially save your or your family members own life, most criminals won't wait for you to call a time out to then get ready. Since the car analogy has been used earlier, it's like keeping gas in your car, so you're ready to go at any time. You wouldn't store the gas in cans and then put it into the car when you're ready to go, similar applies to loading a gun..... for the ready. Some people don't drive, just like some people don't have guns, personal choice. No one asks why I have more than car, so why does it matter why I have more than one gun?