That Smart Carry holster must impress the ladies at the gym!
Have you considered Thunderwear (https://www.thunderwearholsters.com/)? When I’m lazing around the house with my elastic waistband exercise shorts on, that’s how I carry. They have small, medium, and large sizes for whatever type of weapon you prefer. And, a second pocket for a spare mag. For me, the small is great for pocket pistols, the medium for GLock 43X, Sig P365XL, Hellcat, or similar weapons. The large I wear with my Glock 19 under scrubs when performing surgery, but it is a little heavy for at-home use. The small and the medium are perfect for the situation you describe. Give it a try!
The holsters I wear, I find I can sleep in all of mine. They are through the belt OWB. Truly I still use the 3 step rule even so
This may sound stupid to a few of you but you should be aware of how tight you cinch your belt if you are carrying inside your pants. When the belt is to tight it causes the holster to ding into you thigh. In some cases the holster can touch a nerve causing pain down you leg.