There's evidence that women wore hoops for at least some factory work. When the arsenal caught fire in Allegheny, PA, there were many female workers killed: "The steel bands remaining from the hoop skirts of the unfortunate girls, marked the place where many of them had perished [the bodies having been consumed by fire.]"
http://www.historynet.com/explosion-at-the-allegheny-arsenal.htm Here's a drawing of women at work at another arsenal (Watertown MA) showing what they might look like seated together at work:
https://www.digitalcommonwealth.org/search/commonwealth:rv042v219
As others have noted, hoops like that for everyday wear would be of a smaller diameter than ones for fancier occasions. But a dress without an underlying hoop could look really low class--for example
the famous pipe-smoking refugee--so I think that unless women were out on the farm with just family and hired help, or were poor enough or of a low enough social class, or were doing hard work like laundry or scrubbing floors--which would also indicate they were of a low class--there was pressure to wear at least a small hoop if one's work made it possible, especially if one would be seen by other people.
D.H.Hill said:
Did every day rural dress have the same basic style, just not bell shaped?
Yes. The bell shape, of course, is produced only by the hoop, so the only difference was the length of the hem. There's a famous photo of women wearing skirts hemmed for hoops, but without the hoops, showing the excess length:
https://history369.files.wordpress.com/2012/09/female-venereal-hospital.jpg A few women are wearing hoops in the photo--the one in profile holding a white cloth, and the one at the extreme left-- but you can see how the same kind of dress appears without hoops, with the hem dragging the ground, on the woman toward the left of the photo with hands on hips. The only thing different in the basic cut of the dress is the extra length to go over the hoops. Of course, there would be more subtle differences in fabric and trim, as one wouldn't make a dress meant to go without hoops of nice fabric and fancy trim.