Each person has to determine where the fine line is between safety and accessibility. I have an AK under the bed, but the three loaded magazines are up on a closet shelf. So, it would take me at least 15 seconds to get it out, run to the closet, and get at least one magazine loaded. If someone busted into the bedroom while I'm laying there and I'm woken out of a deep sleep, it's game over.
One idea is to keep the gun loaded in a holster hanging off a bed post or on a night stand. During the day, you could lock it up or unload it and keep it away from little hands.
