My HD scattergun is a Mossberg 590.
I keep it "cruiser ready" as well. i.e. Chamber empty, bolt closed, trigger pulled, safety off. Pump and shoot if you need it. I intend to keep it cruiser-ready once we have kids, but in one of these:
http://www.gunvault.com/longgunvault.asp Most likely bolted horizontally to the inside wall of a closet, above the door, into the header beam.
Whenever I handle the loaded shotgun I stored in this mode, I allways follow this procedure when checking it, and opening the action.
Approaching the gun after it's been put down, stored, or out of my hands.
1. Finger off the trigger pointed in a safe direction, (both a given, but allways bears repeating) rack slide to open bolt, dump the shell that just popped onto the lift gate out the ejection port.
or-
2. Slide won't retract, hit the bolt release, retract slide, dump the shell that just popped onto the lift gate. Mentally castigate myself severly for screwing up storing the gun cruiser-ready. (hasn't happened yet.) If a round actually ejected from the chamber,
go get my Tanto, rice-paper, and head to the nearest beach to wait for dawn. (It, hasn't happened and
won't happen, ever.)
When I put it back into cruiser-ready mode, visually and physically (fingers) check that the chamber and the lift-gate are empty. rack slide closed, verify safety is off, point in safe direction, and pull the trigger. Stuff any rounds needed back into the magazine tube.
Sounds complicated, but is pretty easy in practice. If you follow every step, it's impossible to have an AD/ND when storing cruiser ready.
The key is to only pull the trigger to unlock the action ONLY IMMEDIATELY after verifying I just closed the bolt with an empty lifter and chamber. If I have to unlock it even 30 seconds later, I use the action lock. I never want to ever run the risk of getting in the habit of "checking" the trigger.