My wife (who also carries and is trained) and I have instructed our grown sons, who both have keys to the house, to NEVER wander in un-announced in the middle of the night. I don't know why they would, but you never know...
I like these discussions as I believe they help us all to think about how to conduct ourselves under different scenarios. The more I think about shit, the more I believe I am less likely to shoot someone, unless it is the most dire of circumstances. I think we got our fair share of "arm chair" shooters, whose attitude seems to be, basically, "shoot the f##ckers and ask questions later". Well, I hunt a lot, and have watched a lot of critters die, and I don't EVER want to be looking down on some teen-age idiot, as he gurgles his last breath due to the 45s lodged in his chest. If he's trying to hurt me or mine, he will be shot, if I have to, but I'm gonna give 'em every chance to make another decision, for as long as I can.
The "bump in the night" will ALWAYS be identified first, even if it costs me some of my advantage.