Re the U lock bouncing around
Solutions:
1. Get a handlebar bag and keep the u lock in it. There's a model bag sold in Walmart and Target for $12, it is probably on walmart.com.
2. Use a backpack, shoulder bag, or messenger bag and put the U lock in there.
3. If it is a mini u lock it may fit in your back pocket.
4. Dont use the u lock, get a 4' cable from a bike store (about $12) and padlock and wrap it around the seatpost instead when riding.
5. Get a saddle bag (they are under $15) and if you have a mini u lock the u lock will secure tightly between the seat post and saddle bag when you are riding.