Glad you are okay! That is frightening when your bike stops moving (and you don't).
When I ride my Jamis--my commuting and errand bike--I prefer to carry my lock in my panniers. Since it's my errand bike, I'm usually running errands on it and need my panniers for the errands, like mail from the post office, a few groceries, etc.
Occasionally, I'll need to lock up my road bike, which does not have a rack or panniers. In those cases, I bring only my cable lock in a small backpack, and I never let the bike out of my sight even when locked up. I also don't ride long distances with a backpack/cable lock.



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