I have a Mossberg Maverick 88 12 gauge with an 18 1/2” barrel next to my bed. I keep it loaded with five 00 shells in the magazine but none in the chamber. That’s because I want the intruder to hear that pump without me wasting a shell.
It’s also safer for me.
The one downside to this is if they are armed you may give your position away and they get a couple shots off toward you.