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As others said, I think you're worrying too much. Lock your bedroom door if you want to, but stop worrying about it. A round in the chamber is something you should be worried about. A round on a dresser is barely dangerous, even in the magical event that it does go off.

If you worry about stuff like this, you'll never get any sleep.

Edit: But if it keeps your mind at ease, then do what you want. Kind of seems like your leaning towards keeping them in a safe. If that's the case, buy a bigger safe for them; you know, then you have reason to buy more guns.