Becky, Welcome to the forum!
There are ladies here that carry anything ranging from a fairly large caliber open-carried on their waist to ladies who conceal-carry fairly small caliber stuff.
In the end, you'll figure out what's right for you -- fortunately, being a home-maker does make your decision in how and what to carry quite a bit easier since it's mostly up to your personal preference. There is another woman here who is a stay-at-home-mom who OC's b/c she feels it's less hassle and easier when trying to do all the kid-toting stuff required of her.
Hopefully you can get lots of feedback and find the best solution for you.
WELCOME!