I carry my Steyr S40 at all times except for:
When I'm at the gym (in which case I have my wife's P3AT)
When I'm in bed (in which case the S40 is on the floor beside my bed)
When I'm in the shower (in which case the S40 is on the floor of the bathroom)
Only other times I am without a gun are when I go to the DMV or if I have any official business in a government building (which is almost never).
I'm going skiing on monday and am trying to figure out how I should carry there