Similar for me. I have a few AR mags loaded. Everything in the safe is sitting at rest. Handgun is the only thing out of the safe and it's got a loaded mag in it with extra mags nearby. Not chambered. I have a boy who is almost 6 who knows not to touch it, and a very curious 17month old who I can't trust. If I don't have time to chamber a round....I wasn't going to have time anyways. Same goes for getting startled awake. If I'm not awake enough to chamber one, I'm not awake enough to properly identify the target and I'm probably already screwed.
I don't worry about the springs in anything. If it's a concern, they're cheap. Change em out every so often if you need to for peace of mind. Being that none of my guns are kept cocked, I really only need to worry about the mags.