My dogs are all naked at home too. No need for a collar indoors, and it's also to prevent them from getting caught in each other's collars since they can and do play pretty rough at times. I just don't want to risk it. (I've seen this happen... so dang scary!!)
I have all sorts of collars though depending on what we're doing and where we are going. My tags are also on a carabiner, so I can switch from collar to collar with or without their tags.
I haven't gotten a fur saver yet, since I have no reason to at the moment. But, I've seen them left on and they do break the fur still.... like what was said above, any collar left on 24/7 will do that.
-Pakros von Jagenstadt "Duke" (01/06/10) -CGC