No kids here, and while I have caught one of the cats sneaking into my pantry I don't see either of the varmints being able to work the slide on my riot gun. If I eventually have kids I'll take the necessary steps to secure my guns.
Personally I don't see myself at a lot of risk. It's not a bad neighborhood, what Vanilla Ice said to the contrary (I'm up the street from where he went to high school). I keep the 870 because it's suitable to my needs, should they arise. Sort of the same concept as a fire extinguisher. It's not good for much else, really. I suppose it could be used for skeet shooting or hunting but I don't do those. Hell, currently I don't have a gun that I would take to the range, that's why I want the ACR (or, if it's banned, a lever action Marlin). The only others I have in the house are three .22s, two of which are broken and one which is merely a curiosity I've never fired.
The instant-access thing is because you never know when an emergency might arise. With the exception of weather events they tend to not announce themselves.
Crime really isn't all that bad. It's horrific in some areas - as Wildcat has noted, Chicago has a murder rate as bad as Congo - and that's as much, if not more, a social issue surrounding disparity in income and opportunity, gangs and disenfranchisement, and the War on Drugs issue than it is about guns.
I hate to even bring the piece of garbage up, but what Ann Coulter said about among white society in the US crime is about the same as in western Europe (where I take issue with her is the unspoken part of her statement, which is "so who cares?").