Any time I leave the house I carry. One of my jobs is at the local university, and since I don't have a car to keep my gun in while I'm there, and I also don't have a death wish, I carry despite university policy not allowing it. Yes, if I get caught I'll probably lose my job, but so? At least I'll still be alive. Also, I do not see too many no gun signs around here, but where I do see them, I ignore them because none of these places has metal detectors or anyone at the door frisking patrons.
When I'm at home I keep my gun readily accessible, accept when my girlfriend has her kids over, in which case I either keep it on my person, or, if I'm sleeping, I stuff it between the mattresses of the bed.