Well, I would have to say that if I DID ride strapped it would be because I CAN. It's legal in most of the USA. My Constitutional right as a citizen.
Where it's not legal they have usurped the bottom line law of the land. That's why the Constitution was written. Rights. As CITIZENS. Not 'subjects'.
This is not a Monarchy, Theocracy, Socialist State or a Dictatorship. Democratic Republic. That's what the USA is as a sovereign state. So, it doesn't matter what anyone from another country thinks. YOU DON'T LIVE HERE SO YOU DON'T 'REALLY' KNOW. You've never paid taxes or voted in any of our elections. You have no POWER, whatsoever. There is no debate. You're not even entitiled to an opinion on how we choose to conduct our internal affairs unless you're a naturalized citizen. If or when the USA changes it will be in it's own time and on it's own terms. That's why it's a sovereign state.
Ok, got that out of the way. Now in the supposition I DO ride strapped what would be some recommendations of CCWs or OCWs I might make? There are more ad more concealed carry options than ever before. So, these are MY personal recommendations based on first hand experience and knowledge of others.
Revolvers of any make or size though simple and user friendly would prove to be a little heavy and bulky. The S&W Airweight still weighs 15 oz loaded. Essentially a pound. Same with the Ruger LCR series. And they 'print'. So much for the concealed aspect. Save them for the car or nightstand.
Now in semi-automatic handguns there is an incredible variety of solid, lightweight, dependable options. I'll rate them from the bottom up. Again, MY opinions.
7th would be the Micro Desert Eagle .380. Pros: machined combo of aluminum and stainless steel. Double return springs. Size. Double action only trigger. Cons: Weight and appearence. AND they're a hand cannon. VERY snappy. Personally, I LOVE them. They're butt ugly...I find that appealing.
6th would be a North American Arms .32 acp. A Seecamp knockoff, but very well made. Pros: Reasonable kick. Feels good in one's hand and is very accurate to 30 ft. Double action only trigger. Cons: Relatively weak SD round, but as it's all about shot placement, anway it doesn't matter. It weighs 18 Oz loaded. That's alot.
5th is a Taurus 738 TCP .380 acp. We're really into lightweight polymer now. The TCP is light, accurate and very concealable. Pros: light weight, good SD round for a mousegun. Double action only trigger. Cons: Feel 'cheap' and require a rather long, somewhat expensive breakin period. Odd shape of thecslide. Require some tweaking to get them consistant.
4th is The Ruger LCP. Basically co-opted the Kel-Tec 3PAT design and made a few improvements. Not enough to justify the extra jack IMHO. Pros: Lightweight, solid SD round being chambered in .380 acp. Double action only trigger. Cons: 200.00 more than the Kel-Tec for essentislly the same pistol.
3d is the Kahr P380. Awesome, dependable, very expensive, but wow what a work of concealed carry art. If you can afford one? Buy it.
2nd is the Kel-Tec P3AT. Pros: Inexpensive, .380 acp, VERY lightweight and only 5.2x3.5x0.85. So very concealable. Double action only trigger.
1st would be the Kel-Tec P32. The first of the polymer mouseguns and the best for bicycle carry. What it lacks in a good SD round it more than makes up for in weight. Or lack thereof. 6.6 Oz unloaded. 10.8 oz.w/a full.mag. Perfect for weight weenie roadies. Double action only trigger.
You may have noticed a consistency. Double action only triggers. Most of the trigger pull weights are 8-10 lbs in all of the aforementioned so a safety is not required. That's why the Sig P238 or Beretta Tomcat aren't here. Both are single/double action w/a thumb safety. Better chance of pulling a Plaxico Buress. Stick with double action. One can ride safely with a round chambered. Point and shoot. The LAST thing one needs to be considering in a life/death hi stress situation is a thumb safety being disengaged.
There are all kinds of accessories, extra mags, holster options, etc. I'll help cut to the chase. An IWH(inside waistband holster) ambidextrous w/a clip. Wear it in the 6 o'clock position. Use a polymer CCW as metal has a tendency to corrode from sweat. Polymer requires less maintenence. Make sure your cycling jerseys cover your CCW completely. Practice good gun protocol. Spend plenty of time at the range. Get comfortable, consistant, fluid and relaxed when discharging your carry piece of choice. NEVER point it at anyone you don't intend to shoot and don't put your finger on the trigger unless you're going to pull it. Better to be judged by 12 than carried by six. Eventually one is released from custody. The grave? Not so much.
In closing know that while I don't carry myself I know people who do.