Maybe I’m just reading it wrong, but I’d be hesitant to pepper spray someone for being a jackass or obnoxious about asking for money.Yeah you really can't legally pull guns on people who are only threatening you with non lethal violence. Pepper spray is non lethal and can be used as "jackass repellant". Pulling your pistol on an aggressive panhandler who just won't leave you alone is not warranted.
I've been carrying both a spare mag and OC for 20+ years now. The OC I carry (Fox Labs 11gram container) is smaller than the spare mag is. No real need to have to pick one or the other to carry. Mag goes on belt, OC goes in pocket.