I'm a gun owner. Safety is job #1.
So you own a gun. But it isn't loaded. That's cool. Just spit on your attacker.
I don't carry it loaded and bouncing around loose in a bag.
If it is loaded it is in my shoulder holster where I have complete control of it. #2 if it is in a bag it is just as useless as being unloaded unless you figure you have time to unzip a bag a fumble around in there to get a grip on the gun if someone presents a threat.