Why wait for the night? You can fuck where and when you want, it’s your house.
Children
Sounds like yet another reason to not have children.
Send them out to play and lock the bedroom door? Or just lock the door if you manage to be a bit stealthy? Have a shower?
Worst case you put on a robe. It’s not that complicated.
The biggest issue is being too tired, not opportunity.
Small children.
Another family member/friend goes for a stroll with the baby? Or simply another room + baby call with a monitor to be able to hear if something is wrong, and then confirm/deny by video. We have yet to be disturbed.
Glad you found ways that work for you.
The kids are probably off the panel
Gotta do it in the dark so God can’t see.