There have been some good and bad points in this thread, but I think the overall idea may be getting missed. We can argue statistics all we want, but statistically speaking, we are all "paranoid" if we are going to make this choice to carry (for those of us who do) based solely on probabilities. And speaking of statistics, even if there's a 1 in 100K chance of being raped by a home invader, it would really really suck to be that 1.
But for me at least, it is greatly a matter of consistency.. I always know where my pistol is without having to first think about it. (Is it on the coffee table? Or next to the couch? Or is it behind me on the end table?) It's pretty widely known that under stress we "revert to training" or what we have practiced. If you need the pistol in a hurry, it is best to have it in the same place all the time. A holster can do that for you.
Also, if there are kids in the house, you have the advantage of being able to maintain your own access to it, and simultaneously keep it out of unauthorized hands (whether those hands be of an attacker, or some other unauthorized occupant of the household).
Further, there is the matter of convenience. No putting it on, taking it off, putting it on again routine if I am going to be going in and out. This also prevents me from fostering a laziness which will encourage me to go out to get the mail, or take out the trash, or run to the corner store without having it available.
If I choose to answer the door, I don't have to have it hanging in my hand wondering what to do with it should it be someone I know and who will come in but who does not know about the piece; I also don't have to run back to wherever I left it in case opening the door turns out to have been poor judgment.
A little less comfortable, yes, it can be, but not prohibitively so. Considering the above points, I actually find life easier to just do the same at home as I do outside the home. It's less work, less hassle, fewer questions to be answered, and safer.
It's not just about worrying about the Black Star Ninja swinging through the back window. :barf: