I'm wondering how you guys carry a lock with you when you ride into areas where a lock is necessary? In the city, folks wear these enormous chains around their bodies like a sash and use them to lock the bikes to trees, street signs, etc.

But here in the burbs, such a gigantic chain isn't necessary. So I have just a regular chain w/ lock. When I wrap it under the seat, it annoys my thighs. If I try to wrap it on the cross bar, it slides around.

I feel like maybe I have the wrong kind of lock or maybe I'm just experiencing a total brain failure regarding how to carry this dern thing comfortably.