iwatt said:
See, I agree that most of the Character Paranoia is actually player Paranoia due to having been burnt once too many times by GMs abusing the night ambush. Travelling at night through wilderness, it makes sense for whoever is at guard to have his armor out and for those with light armor to actually sleep in it. But doing the same in town is ridiculous. Personally, when I get home I can't wait to take my shoes and socks off. I'd ratehr think that removing armor would be even more preferable.
I think there's a matter of situations that are all dependent on how often you can expect to be attacked, to judge how armored you are in each situation.
In the Wild, constant threat, wear as much armor as comfortable.
In the Inn at the crossroads, sleep soundly, post a watch anyway.
The Inn in Town, no worry for watch.
Home in Town, probably not even in the same building as the rest of the group.
Now, lets change it though. What if every time you sleep at an inn in the country side, something bad happens. (First thought, just sleep in the wild, save some money.

You'd probably want to take more precautions than simply locking your doors. It doesn't even have to be every time, if you get attacked 1 of every 5 times, you will take extra precaution I'd think.
Heck, if the DM keeps attacking at night, the players might not feel secure in seperate homes. Their homes might become defensive keeps bent on keeping out enemies many and varied. In one campaign I played in, we pissed off a couple assassin clans, so we had to be extra careful.
For me, what gets tiresome is the inability to rest when such is required (repeatedly) and the Random Encounter nature of some ambushed.
For the original subject, it doesn't sound like the Archeologist had a reason to carry, but it's easy enough to have a background that would make the person paranoid enough to be ready for it.