Yeah, I don't do it either. To each their own.
On my HD shotgun, I have it loaded up with birdshot and carry 6 rounds of buckshot on the side saddle. Birdshot is my choice based on my home layout. From my bedroom, shooting someone coming into my bedroom door puts my kid's bedrooms in line of sight.If I get to the stairs first, then I can dump buckshot in manually since I won't have the kids in my line of fire.
Of course this is the "plan" and we all know how plans go. Watching a DVD the other day, I learned something that changes my plan drastically. I always pictured my wife hiding behind the bed, with her firearm/shotgun, prepared for the intruder to come through the door. Again, this puts her in line of sight with the kids rooms. I always thought the bed was the only place she should be, but after watching the video, I now know of two more positions she can take that remove the kids from line if sight while still giving her the element of surprise, possibly even more so than my original plan.
Best case scenario, my wife has the kids and I have the advantage of being at the top of the stairs ending any threats as they funnel up the stairway.