This whole dialogue baffles me for two reasons. Firstly, I've been carrying a gun daily for long enough now that it has completely been divested of all emotional freighting. Putting the pistol in the holster in the morning is as routine as making sure my wallet, pocketknife, and store keys made the transfer from yeterday's trousers to today's; it's not strapping on a gat, it's just getting dressed. Because of this, there's an obvious disconnect in the conversation:
"Why are you carrying a gun?"
"The gun. Why are you carrying it?"
"I dunno. I didn't want to forget it at home? What's the big deal about it, anyway? It's just a gun."
See? Same planet, different worlds. To one person it... The Gun ...is an object with some sort of totemic significance. To the other, the question is as inane as "Why are you wearing a hat?"
The second stumbling point I have is a more pragmatic one, and that's one of safety. The pistol on my hip is loaded and cocked. It will be loaded and cocked when it is set gently in its storage rack tonight, and will still be loaded and cocked when it gets holstered again tomorrow morning. Actually, the only time it is not loaded and cocked is when I've shot it dry on the range, or have it torn apart for cleaning; otherwise it is either sitting safely in a storage rack, or safely in the holster on my hip, where there is no chance that it will spontaneously go off. Contrast that with the more typical on-again-off-again gun toter. Here's how that routine seems to go:
1) Wake up in morning and decide that maybe they should carry today. Hmmm... Glock or Kimber? Maybe HK? They decide to take the Glock today. They pick up their (empty) pistol and a loaded mag, chamber the top round off the mag, top off the mag, and put the Glock in its holster.
2) Get done with running errands, get home, take Glock off, unchamber round, do some dry fire practice at the teevee.
3) Buddy calls and invites them to a movie. To pack or not to pack? Better take the Glock. The top round off the magazine gets re-chambered (maybe for the second or third time), the gun is re-holstered, and off they go.
4) After the movie they decide to stop for a beer. Gun is unholstered and put in glovebox. Gun is reholstered for trip home.
5) Nighty-nite time. Gun is unholstered, unchambered, and the chambered round is placed in the mag so it can be chambered again tomorrow (bullet setback, anyone?)
See how much unnecessary futzing around with the pistol that involves? Every time you go in and out of the house you are adding more windows for opportunity for an ND by adding more administrative weapons handling. This is when ND's occur: how many stories of police negligent discharges happened when they were putting their gun in the lockbox at the jail and fumbled it, or when they were unholstering it in the lavatory? Put it in the holster in the morning and, as best you can, leave it alone. If your daily rounds take you to a lot of victim disarmament zones, get a holster that goes on and off easily so that you are handling the holster, not the weapon.
So, long way 'round, there's my answer: yes, I carry in my home, because I'm too lazy and too safety-conscious not to. ;)