May you all have a safe and Merry Christmas!!!
I live in a safe area, my home is relatively secure, and I carry at home. My EDC and wallet are always on my person. Like my wallet, I'm so used to having my pistol on me, that I don't even feel it anymore. I don't sleep or shower with it, but it's always within reach. I'm not paranoid, but stuff happens without warning..
As for an IWB holster, I sweat....ALOT, I used to carry IWB, but then I noticed my mag release sticking... RUST.. I modified an inexpensive Elite nylon holster to work between my waist band and belt (attached to belt) and works great for me!