My wife and I have CCDW permits and PA LTCF's. We don't have kids, and my mother-in-law has been taught how to handle firearms (and the Bolsheviks taught her in high school)... so we don't lock the guns up. The clearly visible cameras on the outside of our house are the most effective of our security measures, but there are others in place.
Next summer, we're thinking of bringing our nephew over from Russia for three or four weeks. This will involve, at the very least, a deadbolt on a closet door and two or three bedside safes.
When I was a kid (the youngest of four), there were guns and ammunition in the house, and all we would have needed to do was find them and bring them together. We knew better. These days, "knowing better" ain't enough.