I do absolutely agree with your first statement. If some kids or other people are around my guns are locked in a room.I think we are talking 2 separate scenarios here.
in a home with kids, you should take precautions to prevent accidents.
If you are on the street at 2 Am, perhaps you should have the gun locked and loaded, but the bigger question is WHY are you on the street at 2 AM ?
I disagree with your second statement. I do not see any reason NOT to be out on the street at anytime I want to.
Why should I?