The short answer is yes. My Colt 380 Government Pocketlite is chambered and cocked with the safety "On". All I have to do is drop the safety and pull the trigger.
Longer answer, I don't leave it this way. When I leave, I actually unload and decock - when I arrive, I insert the magazine and chamber a round.
At home, my P95 Ruger allows you to decock with a round in the chamber. The first round is fired "double action" and all the rest are semi-auto. I prefer the Ruger's design, but like the smaller & lighter Colt for concealed carry. I'm leaning towards the Ruger LCR ("R" is for revolver) as my CC gun. They also make an LCP ("P" is for pistol) that is small and compact and very popular with the CC crowd right now.
I would tell you that my Springfield XD-40 is locked and loaded, but then the big O might send his storm troopers after me. Then all I'd have left is my little .25.
I guess I would have to ask myself if I have to ask this question maybe I should get some firearms training. I am not being a smart a**. I just think for the saftey of all, including yourself it would be best.
I carry a 1911 cocked with the safety on. I have never had any problems with this setup.
I never put any thought into a change machine go to gun. Maybe stick a cheap taurus 38 revolver in there.
Fingerprint safes are nice and I like them also. The bad side is if someone wanted to rob something out of the safe all they have to do is shoot you and drag your dead body to the safe and press your finger on it to get it open. Having a combo safe they can't kill you cause your the only person that knows the combo.
I would recomend anyone with any gun practice regularly. How many times do we read about a well trained police officer being gunned down by a petty punk.