Wife is armed all the time at home. And mostly in sweats or shorts depending on weather. I have a little nylon shoulder rig that is an odd one but very comfortable to wear but she simply uses her normal belt puts a holster on it and straps it around her waist and goes about her day here at the house. Easy on easy off if she needs too for a moment.
About the only reason i can see for a shoulder rig at home is to have something to sling over your shoulder fast at night and have both hands free for a long gun with the 38 as a back up. I have a set up like that for my 40 cal if I have the time to sling the shoulder rig on and grab the SKS during the night. It faster than buckling on belt over my sweats.