Well, I'm still riding in late Decmber, but I don't own a car, so I ride every day. We've been getting 20s overnight at times, but we generally only get a couple days of snow or ice per year, and if it hits while I'm at work, I bum a ride home. If it happens overnight, I take a day off
When I pocket carried a Kahr PM9 every day, I just left it in the pocket. These days I carry "something a bit bigger" IWB at 4-4:30, and yes, I am always concerned about what would happen if I impact pavement with the pistol there. I don't have a perfect solution as yet. "Don't crash" is easier said than done.
For my Kahr P45, I use a UBG Striker 1 IWB. For my 1911, I use a Milt Sparks VMII. For my 4" N-frames, a Side Guard Holsters IWB or a Galco OWB. Always an armored jacked (mesh in summer).
Edited to add:
I don't think the OP is worried about drawing underway, because he mentioned getting his bike jacked. If you are on the bike and the engine is running, you are better off running than drawing.
I am at my most vulnerable (and most alert) while fueling--hands occupied, fiddling with debit card, nozzle, fuel cap, etc. Once the fuel is actually flowing, I have a pretty good defensive weapon in hand. If you've ever been soaked with fuel, you will know exactly how unpleasant it is, and if you never have, take my word for it. Eyes, crotch, armpits will feel as if they are afire.