Being in the peoples republic of Marylandstan, plus working in DC a lot, nothing on me goes bang at all. Nothing in the ride goes bang.
Now that being said. On me, I always have a cold steel folder, multiple flashlights, water bottle, an oversized version of an IFAK packed into one of those velcro tear away style BDS Tactical first-aid pouches attached to the backpack. Then the standard electronics that just about everybody (except Tom) carries. Phone, laptop and such.
I figure, worst case (if you've ever seen some of the armed guards in federal buildings), I can spin one of them around and use them as a human shield while pulling their service weapon as I drag them backwards until I find better cover and re-assess. But I never put any thought into it. (grin)