For me it really does depend on what i'm hunting, or at least what area i'm in, and the time of year. In the fall, i most time carry it with the 22WMR insert in place, and all three bbls loaded.
In big game season, i mostly carry it with slugs in it, and the rifle bbl loaded. Where i sit a lot, i get longer shots, so i just have the rifle loaded, and the scope on. If i shoot a deer and it runs into the brush, i load up with slugs too, and pop the scope off.
Like i said, if just all depends...
DM