Yep, that expensive daily carry ammo will get worn from cycling through the pistol. Even without visible funkyness, give them a service lifespan of one year before replacement due to exposure to the elements of daily carry,,,heat cold sweat etc.
Repeated chambering of the same round over and over again is not ideal. Look up bullet setback. I would check for that round getting roughed up and scuffed from wear, after 6 chambering/ejections...it goes into the range day blasting pile.
Your situation with the home really calls for a better way to secure your defensive firearm. Please take a look into handgun safes, they are cheap insurance when children are around. Then you can secure your loaded and ready for use firearm, and avoid the daily loading/unloading issues.