Very low bust factor unless you're riding like an ass or disobey our escort. Might want to bring a light (or lights) if you don't normally rock 'em, but that's about it.

I've never understood the bell thing. I find my voice works a whole lot better than a little bell! It's nice to have a bell if you're too shy to talk/yell, but I don't see why it should be required by law.