I must admit that my rule used to always be to cover crotch and butt, bit not lately. The reason is because I only have one pair of jeans that fit so I wearing leggings more since they are one size fits all. I do wear a tunic top if leaving th house but it doesn't always cover it all. Fwiw, I have like no butt at all now so it doesn't look as bad.
Since I can't ETA on the app, I got a bunch of stretchy mini skirts that I just throw on over leggings if my shirt isn't long enough. I lived in leggings my entire pregnancy.