There have been a coupla times I've played Curious George and cleared the interior and/or grounds of my property. Sometimes (as pax indicated), you just need to.
Once with a PPK/S in hand, face covered in shaving cream, and nothing else but a towel. No reload, no cell phone, no shoes. Maintenance man had "let himself in". He never did it again. I determined never to be caught so unready again.
I took a hint from an article by Mas Ayoob many years ago. I keep a duty sidearm holstered on a duty belt. Wakeup, standup, snap fastex belt around waist...ready.
Pistol, retention holster, re-loads, flashlight, spare cell phone, spare house/auto keys (in a key silencer), spare ID, field dressing x 2 plus tournequet (in small first aid pouch), and an ASP baton.
Extra keys are for: 1) re-entering your own locked residence through a door you didn't exit out of or 2) to drive to safety / evacuate others (without having to re-enter your place and locate primary keys).
It takes only seconds to put on gun belt, I have no need to look or fumble for separate items, I am ready for whatever...
It may sound overly "cop" but is actually pretty low profile, especially with a light windbreaker thrown over (if I go outside). Add some slip on all-terrain walkers or low hiking shoes.
Little use for civilian High Sabrina (muzzle up) unless clearing up staircase or elevated landings, decking, trees, fire escapes, ceiling hatches, ledges, roofs, or windows. At that point, I'm not so much securing my muzzle in a high position as covering high threats my eyes are looking at.
There are times when a high carry of pistol is applicable during tactical team entry and I will not elaborate.
When working with a buddy or team, high carry is also (unfortunately) a good way to shoot a friend in the back of the head or upper torso.
From a combatives point of view, there is a lot more physiology working against you if your pistol muzzle is high and you have to break a gun grab, grapple, or protect your weapon.
YMMV.
P.S. - "High Sabrina" is a tongue-in-cheek derogatory term for what Jolly Roger explained earlier concerning tight screen shots of actors' faces. Older members will remember promo shots and opening scenes from the original Charlie's Angels TV show circa 1970s....