i generally wear the same clothes arround the house as i do in public. i generally have my shirt behind the butt of the gun for quick access. dont need to conceal at home unless i get some guests i dont want to let know of my gun. because i live in a cottage at the back, while in pj's i carry it in my hand
but thats just my situation. a shoulder holster seems like a good idea for those situations but im a bit low on $$ at the moment so it'll have to wait.