>>>should all be replaced with a more neutral and less offensive term.
...I suggest 'a lady of leisure' -which can apply to both single women, single/divorced/widowed women parents, married women (childless and with children) who stay at home.
To the question: 'What do you do?' you could possible answer 'Why should I do anything?, I'm a lady of leisure'
Men, however are at a disadvantage, as they cannot be called 'a man of leisure'.