Momma bear, OK, I understand, YOU are  NOT the type to carry a gun because of the reasons you mentioned.  You should be commended for realizing your non abilities.    Self-Defense, basically a JOKE.  Get your Black Belt, I would bet any size tough  male whether they weigh 140lbs or up, could take you to the ground and beat your Black Belt skills.    Unfortunately for YOU,  the best solution might be to stay away from downtown and HOPE in the future the city council gets some TEETH and corrects the problems there.  Please, DO NOT be HARD  headed and  become a VICTIM...........