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@risi
if i keep it in my bag my shoulders kill me, yet i can do 50mile rides with it around my waist no problem.
i was riding a critical mass once and this german lady rides up to me and flat out says "you will break your ribs" and i have NO idea what the fuck she was talking about, and then she pointed to my chain.
i usually don't wear it low on my hips, i tend to keep it above my hips - almost resting on top of them. the few times i've gone down with it on the worst that's happened has been my love-handle-area getting pinched in between the chain and a bit of a bruise.[/quote]
I used to do that, it's more comfy than carrying it anywhere else on the bike but stopped doing it out of concern for what happens if I crash. I would think that it's pretty unpredictable where on your body the chain and lock will end in a crash and both hips and ribs are vulnerable. The only major bones I can think of that are closer to the surface are shins and skull. Then again some people don't wear helmets...