JerryM, I have at least four friends and family members who might disagree with you as to whether carrying a gun makes sense, and two of those instances occurred at home - in nice neighborhoods outside Honolulu, and outside Worcester MA (homes were out in the rain forest in HI, and out in the woods in MA).
If you don't want to carry at home, that's your prerogative, and odds are no harm will ever come of it.
OTOH, I do carry at home - in part because I think leaving guns lying around in strategic locations is just begging for problems, such as a buddy showing up and unexpectedly bringing his kids along - and it's safer to just have a holstered gun on my person than "hidden" where it might just be found. In part because once I started carrying concealed, I read a lot of advice from trainers who recommended just carrying all the time so I wouldn't feel odd when I carried in public. And in part because I don't really see a down-side.
I have a good job, a good wife, and a good life. People who know me find me to be pretty well adjusted. I don't feel particularly paranoid, nor stressed.
As far as the OP's questions go, what I normally do when I go to bed is leave the pants, with belt, holster, and ammo pouches that I wore that day hanging by the bed, with the gun from the day on the nightstand by a SureFire E2 light. If I need to answer the door, check on a noise, take the dogs out, etc, all I have to do is slip into my pants, fasten the belt, and holster the gun.
I also have a pair of electronic muffs on the nightstand, because if I really think something is happening, I'd rather not bust my ears should I have to use the gun.
I don't baggie the gun and take it into the shower, but I do typically take the carry du jour with me into the bathroom and put it on a counter top. I've read where some home invaders watch for bathroom lights to come on, as a cue that the homeowner probably will be most vulnerable; if I were a home invader, that's how I would operate, so that makes sense to me.
YMMV.