If I am watching TV in my family room and 5 armed youngens come crashing through my side door I am in real bad shape. My shotgun and handgun are in the bedroom, as I ASSUME that my house will be broken into at night.
If I am CCW'ing while I am out I am covered but I do not carry within the confines of my home.
My wife is armed when she is home alone with our HD Winchester 1200, but again its in the bedroom. She doesn't walk around with it slung over her back.
I've also got a big dog with a big bark so that helps and my house looks like every other house on my street. No big boat in the driveway or Porsche in the garage here.