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I don't carry 24/7 since I don't have a gun on while I am sleeping and while I am showering (a gun is feet away in both cases). Do I qualify to answer?

Even if I carried less frequently, I would definitely carry anytime someone I didn't know well was in my home. My father owned a carpeting business when I was young and my cousin still owns a roofing business. Lets just say that some of their workers are not the most upstanding of citizens. I am sure this is also true in other, similar, professions.

If you are worried about making someone uncomfortable, then you are free to throw on a T-shirt over your holster, but I would definitely carry in these situations. While you likely won't have an issue, you never know when it will be the day that someone finally "snaps". I'd rather carry and not need it 1,000 times, than not carry and need it even 1 time.