Just wanted to make sure attention is given to something LilmodU already said- the Halacha here is different for a man and for a lady (especially if she’s not as makpid as a man to daven Shachris every morning). This is one case where a lady shouldn’t just do whatever her husband or father does. Everyone should clarify with their LOR, but thanks, LU, for pointing that out.
(As for what bluhbluh mentioned about Yom Kippur, I still don’t get how the shliach tzibbur gets through davening on Yom Kippur. Always seems a little supernatural to me. I know I could never…)