Okay let's say stakes. Stakes are some poor SOB gets shot with your gun a few days later... because the bad guys crashed you off your bike on purpose, stole the bike and the gun while you were on the ground in pain.

Listen to those who do this for a living. Firearm needs to be easily accessible and you need to be trained in how to use it in high stress situations. And the training needs to be frequent. Gun on a bike or even a fanny pack, with a complacent rider because you carried for years without anything ever happening before, and untrained, is not a recipe for successful self defense.

Stop and think for a second. If anything ever happens while riding it will be someone crashing you off the bike to steal your stuff. How is concealed carry going to help you?