For the loaded weapon... I would just plan to leave it loaded at all times. Honestly, I'm not sure if I'd remember to unload, suit back up, stop in for a chat, leave, and reload. I just remember at the one friend's house because she's very clear on that.
And my Dad also taught us there was no such thing as an unloaded gun- I don't let my nephew anywhere near it, because he's only just turned 2, and I'm not sure if he understands how important it is that Auntie's gun is NOT NEVER EVER a toy. Granted, with my revolver, I don't get stuck rounds, and if I hand it to people, I hand it muzzle down, with the wheel popped. But even so, it doesn't hurt to be prepared.
I suppose I'll try to get my concealed license, though for now I prefer to open carry.
But yeah... I don't want to make people uncomfortable in their homes. Open carrying in public is one thing, carrying into someone's home is another. But again, I don't want to make it sound like I think people are too dumb to have noticed my gun, just because they hadn't mentioned it before.