Yeah, different environments definitely call for different adaptations. My carry solutions are pretty simple because I don't spend much time wandering around.
At Home ~ Loaded guns are available quickly no matter where I am, so I don't feel the need to carry at home. I'll clip on my SP-101 when working in the yard or garage.
At work ~ No CCW at work, so my SP-101 stays in the car.
Quick errands ~ SP-101 stays in the car. If something about a situation feels dangerous, I won't pack the gun; I'll just avoid the situation. When it's unavoidable, I'll clip on the gun.
At the gym ~ SP-101 stays in the car as opposed to being unsecured in my gym bag. There's a back door, and I'll use it.
Out for dinner, shopping, etc. ~ SP-101 is clipped onto my belt.
Walking the dog ~ SP-101 in spring through fall; GP-100 OWB during the winter. I like carrying the GP, so I do it whenever I'm wearing a long coat.