The stall horn is supposed to be an action horn. The prop wash, wind, anything causing the stall tab to make a connection will activate it, even when on the ground. If it is constantly going off on the ground, people will become dessentized (I think thats how you spell it) and will not react to it if it were to go off in the air. That's why they deactivate it on the ground.
The three reasons the gear horn will sound are:
1. on the ground and you put the gear selector in the up position
2. reduce the throttles below approximately 15 mp and the gear is not down and locked (key being down and locked)
3. and the flaps are down and the gear is not down and locked (once again the key being they are not down and locked)
This comes in handy if you have a gear problem, ran the checklist, checked the gear light indicators, and did an emergency extension and still are not indicating three green. You can pull the throttles back to see if the horn goes off, if it doesn't push the throttles back up, and then put in the flaps to see if the gear horn goes off, if it doesn't 99% sure the gear is down and locked and its just a wiring problem with the gear light indicator. Many peoples response would be that they would do a fly by to see if the gear is down, thats great, but there is no way tower can tell you if the gear is locked down. Many students don't think of this when it comes to checkride time. Hopefully, this will save a student a recheck sometime.