1) Yes one in the chamber for two reasons:
You should always have your firearm in a holster that covers the trigger. With a good modern weapon, it's next to impossible for it to go off without the trigger pulled. Keeping it in your pocket or tucked somewhere with the trigger not covered is asking for a negligent discharge.
In the tragic circumstance you might need to draw, in most scenarios you will a) have very little time to do so, and b) not be focused on proper draw procedure. Most CCW's therefore prefer not just one in the chamber, but no safety at all on their carry gun. That way there's no chance you might forget to turn the safety off in the heat of the moment.
(Personally I like the peace of mind in having a safety though)
I'd definitely recommend training drawing from your holster and firing at a range (avoid Blue Ridge Arsenal and check with whichever range that it's okay to do drills drawing for a holster). Remember the phrase, "most people don't rise to occasion, but fall back to their level of training".
2) Definitely leave it loaded in a safe. Leaving a gun laying around is asking for your kids or visiting kids to find it, or to be stolen during a break in. See also:
https://www.reddit.com/r/nova/comments/3cj31i/protect_your_house_its_home_break_in_season/
I leave it loaded so that a) if I need it at home it's ready to go, and b) I'm more likely to carry it somewhere if there's less hassle.