I have a small pouch that attaches to the handlebars of my bike, and sits in front of the bars. I use it for my keys, wallet, cell phone, some tissues, etc. when bike riding. Here in IL we cannot carry concealed, but when I am out of this state I can carry in most places legally and easily fit a j-frame or my LCP in this small bag. Its not instantly accessible, but would take me only a moment to get to if I have to. I find that when I am in a unfamiliar place it is reassuring to have a firearm reasonably available "just in case". I certainly don't tell anyone that I am carrying, not even my wife (who really dislikes all guns).
People sleep peaceably in their beds at night only because rough men stand ready to do violence on their behalf.”
― George Orwell