I had this issue until last night. The weird thing was, wifi was SOLID at work, but exactly like both of you are describing at home. So I thought it may be a setting on the home router that the EVO didn't like (even though it should).
So I switched to G only, still got dropouts. Switched authentication methods, still got dropouts. Turned on "Bluetooth Coexistence" to "Preemptive" and BAM, the connection stayed for the rest of the night and for the first time, my 4AM Titanium Backup to Dropbox completed successfully!
I have TomatoUSB firmware on my router FYI.
It is worth noting that this thread (of mine) is not the right place for information about WiFi dropping while using the phone.... it is about disconnections while sleeping.
That aside...
I am pretty sure those issues with disconnects while USING the phone have everything to do with the access points/routers being used. However, I also use Toastman Tomato 1.28 (WRT54GL) and have my "Bluetooth Coexistence" set to disabled (the default) and don't have a bit of problem with losing connections while using the phone... ever... at home or work (same models).