I do carry pepper spray... but also remember for dogs, yell NO and grab your water bottle and spray them! It can startle them enough to slow them down or make them stop... there are no guarantees but at least that's something you have with you when riding that can be used! Also, if you think fast, and they get close... whack 'em with your bike pump!
I've been chased 4 times by dogs... 3 of those times in the same area. I still ride there but now I have the water and/or pepper spray out... I've begun reporting loose dogs that chase me to animal control as well...
nanci... I remember you were feeling very violated by all the unsafe stuff going on... have you considered taking a self defense course? Sometimes that alone can at least make you feel like you have a fighting chance should something happen...
There is a fine line between "hobby" and "mental illness".