Well, I've been in interior design for over 30 years and think if that is what you want to do, it is part of your decor and it represents who you are, where you've been and the type of life you live, who the heck is she to tell you it is tacky?
I've done model homes, castles in Europe, historical homes and million dollar residences all with their tables fully set. Many people, myself included, often have unexpected dinner guests with little time to set the perfect table.
I have 3 areas in which I can prepare and serve a meal to guests. The breakfast bar, the formal dining room and the nook. I keep the breakfast bar and nook set with linens, chargers and candles, while the dining room is fully set with china, silver and crystal most of the time. There is never time for the dust to settle on the dining room table because I discovered a long time ago, when you are ready for action, action walks right through your door and you are prepared.
If it is a small gathering the nook and breakfast bar are close to the kitchen and more intimate, where I can determine the settings quickly from the kitchen stock which contains stoneware for more casual gatherings, daily china, flatware, and other mismatched, or less formal dinner accessories. The dining room is my go to, ready in a flash, saves me time to concentrate on meal preparation, welcoming to any guest at any time for any occasion with little effort room.
Oh, and I have 2 tables on my patio which are always partially prepared with candle holders, place mats and accessories most of the summer. Nice place for a cup of tea or morning coffee when a neighbor stops by...