The rebbetzin in my (Chabad) seminary said that people who are makpid on kabbalistic matters do this; others do not. One follows one's kallah teacher's instructions or else the husband's family's minhag. She did not make it sound at all like a necessary part of minhag Chabad. I don't know about the minhag by other chareidim.
She was somewhat more clear that [she thinks] it is required during niddah, at least for Chabad.