Are you sure you really want to go into areas you describe with a valuable camera like Leica?? Sounds like you are going into crime ridden area. It can be stolen, or you could be mugged, right? You may be in a situation where someone wants your camera and your only choice is put it down and RUN. (or be hurt or killed protecting it)

You could pickup a cheap Nikon and lens and it'll cost you maybe $100?

By the way, Tmax400 is pretty darn smooth.... it's my standard film.