Sig 229 elite stainless in .40 with 155 gold dot sitting on the nightstand chambered, decocked, amounting to 14+1, with an extra mag sitting next to it. The weapon sits under a magazine so it can be reached from the side, but not seen from a standing position.
Next to that is a fenix LD10, a watch that glows well, a waterbottle, and keys. Cell phone is charging on the floor next to the bed.
On wife's side, she keeps a Sig 228 in her nightstand with a 15-round mag loaded with 124 +p gold dot, not chambered. She likes to be able to rack the slide, which she can do quickly and effectively (we've practiced with snap caps, lying down, hunkered down by bed, etc...) and have the weapon already be in SA mode.
When we feel the need, out of the safe we draw the long guns. A Remington 870 with an 18" barrel and a 6 round mag capacity sits between my wife's nightstand and the bed with four rounds of #1 buck and 2 slugs, nothing in chamber, safety off; and on my side rests an ar10 carbine with a red dot and a 20 round mag loaded with 110 grain TAP and 125 grain nostler b-tip, with a few mags on standby with 150 grain bonded, 130 grain barnes tipped x, and 180 gran MRX, chambered and with safety on.
I also believe it doesn't matter where you live, inasmuch as it doesn't protect you entirely, though some places may increase your chances.
( minus revolver ) ////
If none of that is enough to stop a BG, I got a Springfield Government 1911 with Truglo TFO's as well as a Lasermax Guide Rod, loaded with 8 rounds of Winchester Ranger T's secured by my bed holster made by Ray's Holsters. My wife has a Kimber Eclipse Ultra II on her nightstand with Truglo TFO's and Crimson Trace lasergrips, loaded with Federal HST's. The Springfield mounts in between the mattress and box spring and is a really nice nighttime holster. My hand can literally just drop down and pull out my gun in under a second. I have regular cordless phone next to my bed but I will be getting one of those cell phones as well for 911. (thanks for the idea guys)
