I don't keep any firearm chambered in my house...and yes, it takes just a split second to load the thing, but trying to *time* that at the best moment for a perp to hear it just seems silly. Relying on a mechanical sound to chase off a perp depends on a long list of assumptions that all must be true for it to even matter.
I don't intend to "time" anything.
If I can see or hear someone in the house then it's just going to happen.
If they don't hear it than that works too, but I think they will. I'm not ruling out yelling before I fire, I fully intend to if given the opportunity.
Have you ever done anything your not supposed to do? When I was in high school we would dig expired hostess out of their dumpster on that certain night of the week they would dump it all. I think when anyone is doing anything they might get busted for they hear EVERYTHING, even things that didn't happen hah. Maybe my experience of taking stale cupcakes from a dumpster shouldn't relate to breaking and entering, but its the closest I've got to understanding how a bg would feel if they were ransacking my house.