As for not carrying my wallet when moving things in, that's more of a left-over habit from the last place I lived, and it just makes me feel more comfortable, it has little to do with feeling safe. It's hard to explain, but it's become a strange psychological OCD sort of thing. There are really very few areas I wouldn't go without a gun, and I never venture to those parts of town anyway. And that's pretty irrelevant anyway considering I'm almost always carrying, I don't pick and choose where to carry based on how safe I'll feel there. When I mentioned I felt safer with my weapon on in this neighborhood, I was just trying to imply that this isn't a perfectly safe neighborhood. But it's not in the ghetto by any means.
I've done plenty of searching. I've been lurking this forum a lot longer than I've been posting. My question was specifically about OC'ing in urban/downtown areas, which, in searching, I did not come across a lot of info about.
I actually love this neighborhood, it's vibrant, full of life, eclectic, and there's plenty to do. And believe it or not, my rent is pretty high as it is :)