No. I do not own a gun. I do know how to shoot, but it has been a while. the reason I do not own one is they are incredibly expensive. I have other things I need to spend my money on.
That's like saying that bicycle helmets are expensive. My two carry guns (no, not at the same time

) cost between $500-700 each. My tactical rifle came in about $1,600 with accessories. For 99.99% of the time, they are really just sporting equipment, so spending as much on a weapon as I would on a bicycle makes perfect sense.
As far as why I would carry while bike riding, to me that's no different than wearing your seatbelt in a car - you can't just do it some of the time. The odds of ever needing to actually draw my weapon are incredibly small. But I'd rather have it with me when the time comes, than not. And as I stated earlier, I'm more likely to need it for an animal than a human when I'm on my bicycle or motorcycle. The canyon we ride our bikes in is the same one where my friend's nephew got taken by a bear on Father's Day a few years ago.