This is vaguely along the lines of the thread asking if you carry with one in the chamber (I always do). Do you have your gun holstered in your car if it's not on your body? I keep it inside a folded towel between the bucket seats, holstered. It occurs to me, however, that holstered might not be the greatest idea since I would have to pull it from the holser for use. Thus, I'm back to needing both hands just like I would if I didn't keep a round chambered.
I guess I just answered my own question. I was keeping it holstered to "protect" it, but the towel does that just fine. So, I'll pull it but have the holster handy.
What about you?