Question on "tucked in shirt access". I carry (always) cross draw with a tucked in shirt - always a snap button western style. Very quick access with cross draw, and equally easy by weak hand and pulling up the shirt side (currently I HAVE to do that, due to a right shoulder injury). Same while biking, with either a NAA Black Widow .22 Mag, or SP 101 .357 Mag. I appreciate the idea of pepper spray mounted on the handlebars - much better way to deal with an agressive "biter", the lethal weapon would only be needed as a serious "last ditch" resolution, where I might be knocked from the bike by a really bad actor. I have a neighbor that walks his dogs, and he has a serious billy club hanging from his belt - another approach!
sailortoo