I OC a G26 in an ankle holster when I ride my road bike. I do have a CPL though. No good way of CC when wearing spandex. I've considered a handlebar bag, but many rides involve leaving the bike and grabbing a bagel with the group. I've had police cars directly behind me and no issues. I've considered putting a P3AT or an LCP in a jersey pocket, but I wouldn't want to fall on something hard in a jersey pocket. The G26 would handle a fall no problem, and I think it would save the leg from road rash.
I have to decide what to do this winter when I ride, as I ride year round. -- more clothes, and studded tires.