Well I normally carry my Taurus Mil Pro PT140 on my no matter where I am going(wherever it's legal), though I don't carry reloads on me when I'm just out doing daily business. But I do keep a small emergency kit in my backpack. It has 2 extra 10rd mag, a flashlight, matches, small first aid kit, zip-ties/flex cuffs, multi tool, folding knife, and some other stuff in it. And before anyone says anything, no I do not intend on ever using the flex cuffs. They aren't even real ones, they are just normal thick nylon zip ties. They don't take up any room, so I figure "you never know". When I am traveling, I also thrown my Ruger P2345 with 2 mags in my traveling duffel as well.
I try not to go anywhere unarmed now. I remember before I even cared about guns, I would feel so safe traveling by myself across the state or farther. How naive I was. Now I cannot imagine going anywhere, especially when I have my GF with me, without a weapon.