The only situations where Starfleet officers seem to take off their combadges are:
1. Trying to evade sensors due to naughty activities,
2. Trying to evade sensors because malevolent entities have posessed their bodies,
3. There is a high-ranking member of the Klingon High Council who needs murdering, or
4. They need to use it to generate a signal to beam something up or away.
The only situations? What about daily changing of clothes, bathing, sleeping? Do you expect the computer to track Picard while he's sleeping for 8 hours, with his combadge 2.01 meters away on his dresser?
Tracking the biosigns for landing parties or away teams is a good idea, but doing it nearly continuously while aboard ship is excessive.