In Oregon it used to be required (unsure if the law still applies) to carry long guns in a vehicle with the chamber open, or bolt to the rear, so quick inspection shows that the firearm is clear of ammo.
In NEVADA, and
most states, if not all?????....(an exception would be in the North East states and probably a few others of a more liberal bent) , require long guns to be empty of a round in the chamber, while being transported by vehicle. In NEVADA, the magazine can be charged (full) with cartridges, again with an empty chamber. This can be a contention where some officers would use that as breaking the law, even though it is a state statue. Hunting license pamphlets clearly state the law and statute number/ prohibitions. City LEO's are most likely to be in this category.
Here we have black Bears/cougars/coyotes, none of them to be too concerned with, when outdoors. The bears are in relative low population areas with basically low numbers. The cougers are of more concern and here in southern Nevada, they are known to come into the city, by way of the big drainage channels. The coyote is the animal that could be of the most concern. Where 1 is dismissed, 2-3 are to be watched, and 4-5 are a pack,, and can be considered dangerous. As they get much more courageous in numbers.
This has been an interesting thread, with widely held view's that cover a wide field of thought. As some have mentioned, your AO should dictate what you feel as necessary for the safety to you and your families protection. Chose wrong and .......you know the possible outcome. Circumstances are different each time, and what worked for someone, might not for another, with a similar encounter.