I have been homeless twice, but didn’t really feel it because I was able to get a hotel room and/or able to sleep at my workplace after work. I was working ~80 hours/week, so I was pretty insulated from feeling it, but it took years to realize that I was homeless (I don’t know, I grew up middle class and assumed it couldn’t be me?).
It wasn’t until someone used the term unhoused, that I mentioned how my old boss used to let me and my ex sleep in the bar as long as we were gone by 11, then I realized that it had been me twice.
Homeless technically refers to anyone without a home, but a lot of people who believe they are temporarily between homes would not identify as homeless (not even just out of classism, but not wanting to take resources from people who need them more, etc.). Unhoused tends to get a more complete response