LOL, . . . "future ex wives" . . . that's funny.

I've always been a gun owner since I was in the USAF, but I doubt I would take it with me on a leisurely bike ride. It would either be stolen if it was unloaded, or I would probably accidentally shoot myself if it was loaded. They have concealed-carry here, but I never take them out of the house unless for target practice.
In general, if you act like you are supposed to be where you are and have a purpose, bad neighborhoods aren't as bad as they seem. But if you exhibit fear then you are doomed. Same for human animals too.
Steve