I don't, though I have bikes ,need to cary while riding ,"yet" . There are loose dogs, and there are questionable characters about all the time . If you know where they are and can avoid them that is the best avenue . However , if they cannot be avoided as in your own neighborhood then you've got a reason to cary. I only use a shoulder holster if I'm carrying period. Why ? Muscle memory . it is where i is and there is no where else for it to be found. If I am knocked off the bike or crash, the gun is with me . In the Los Angelus national forest cyclists and joggers have fallen prey to mountain lion , I have had my own experiences with them my self thank you very much . Bear can run ay 35 MPH and 35 MPH is a real push for a bicycle rider for very long on good roads . Any thing running is an attractant to predators . Cats love the chase so do wolves and bear . It depends on conditions, which are changing, and game is getting scarce. What may have been true in the past, is all a lie now, and in the future. More druggies and homeless and other desperate people and animals . If you think it an unnecessary security issue ,throw away the spare tire out of your car. Its only wasting space/weight .