tj: Yes, absolutely, you're supposed to store properly functioning firearms, unloaded before transporting like this, but I'm trying to imagine a worst case scenario.
The issues are the rules, "Always assume all firearms are loaded unless holding it in your hands with the bolt open and the magazine empty and visually confirmed." and "Never sweep any barrel across anything you're not willing to blow away."
With these two rules, the guns in the "closet" would be assumed to be loaded and assumed to be intended to discharge into the driver's back.
When they "Nudge. Shove. Shoot.",
Don't retreat. Just reload.