Me being an apartment dweller my Maverick88 is loaded with #4 bird shot. I actually like my neighbors.
I also live in an apartment community. I don't like any of the people who are in my building but I am aware of the layouts in all 3 on my floor. I have my Maverick 88 12 ga loaded with #4 bird shot; my 20 gauge Daly also loaded with 4 shot and my 410 loaded with 6. I have several guns all strategically placed in case of a break in, but no one in the complex knows what I have here for guns or equipment so I don't really worry much about a break in whether I am here or not. My ARs are not loaded but loaded mags are hidden close by the guns they are for. I am confident in my ability to protect myself and my neighbors from enemy or friendly fire...whether I like it or not.
***Update: Between Feb 4-6 I was caught in the ice storm and had an accident. I left on a Thuesday morning at about 830am and at about 1030 am i was waiting for a highway Helper to give me a lift to the next town. I was gone until Saturday am. I returned home at 830 and found my apartment door unlocked and open, and 4 guns and much ammunitiion, and most of my new fishing gear stolen. Some 22 ammo and a few items were picked up in a pawn shop 2 months ago and I was just told my home built .223wylde carbine was just confiscated during an arrest. So much for leaving guns and ammo out where i can get it.
I now have everything that can kill someone locked in gun cabinets, except for my ccw. That is never more than the thickness of my holster away from me.
Home defence is a complicated toss up between safety in the home and safety at night when it is more likely that a breakin will occur. In my apartment I smelled a heavy cigarette smoke odor. The perps who robbed me were heavy smokers. There were more than 2, maybe as many as 4 people carrying my stuff out. Insurance covered all costs and within 3 days I had my settlement direct deposited.
Best thing I can think of is to have house alarms at night and the home protetcion gun close by. If the alarm does not scare off the bad guy, it may stall him long enough to let you get used to seeing in the dark,slip off the safety, and hunker down on the far side of the bed, aiming and ready. All things considered, all thiings must be considered. Then you will be as ready as you can be, to react to the situation in the best way.