All the guns in my safe are unloaded, but presumed to be loaded. Any gun outsided my safe is loaded and can be treated that way! This is semantics, know the condition of your guns, for the sake of LIFE. Treat every gun as if it were loaded, for the sake of SAFETY.
Glad the OP survived to talk about it, and learn from it.
Glad the OP survived to talk about it, and learn from it.