I've worn a scarf to bed every single night (without fail) since I was a little girl. Probably like age 3-4, when my mother would braid our hair.... so its instilled in me, and i feel naked and awkward without my scarf.
Ive never had a Sig. O complain or even comment about it, except two years ago when I briefly dated a bi-racial guy. He complained about my sleeping in a scarf, and frequently asked if i would keep it on if/when we ever "did the do" (which we never ended up getting around to, because it ended first). That was such a turn-off to me, that he was so fixated with my scarf. He alleged that he had dated many black women who went to sleep without scarves, and who also made love without scarves. The latter i could believe, but not the former.
In terms of wearing it around the house.......... at my own apartment, i keep my scarf/bonnet on all the time, unless i go out. At my BF's house on the weekends, i only sleep with it and wear it in the evenings before bed. But during the day i dont wear it (unless taking a nap). I know he enjoys seeing my hair out, so i try to compromise and give him that.