Good advice
Try to back down, sometimes they're happy just chumping you and will let it slide... it is far better than the 6v1 beatdown if you stand up for yourself
Yes, which comes to my later advice
They do not disappear, trust me. Like roaches, if you see one, rest assured more are nearby
Yes, be wary. They'll knock you off the bike
Similar to what I will say
Good, they hate when you try to act black. Be normal, they expect no less. Acting black only enrages them because you are either being fake, or trying to be black, and that warrants an ass beating
Okay my advice
-- Be inside before dark, they get bolder at night
-- Take the safest streets, even if that means you walk/bike/drive more
-- Dont wear or show anything of value. If you work a corporate job, change before going home. Wear the standard - shorts, t-shirt, average sneakers. Do NOT wear khakis, laptop bag, etc. If you look valuable, you'll be targeted.
-- Do not carry valuable shirt and if you do minimize its exposure. No jewelry. Phone in pockets. Do not carry cash over $25.
-- If they harass you and stay relatively put, say nothing. A few insults of "ey yo faggot white boi" is not going to kill you.
-- If they come at you, now you have to make some decisions. Can you run? Are you near a store? If you get your ass kicked right now, can you get help afterwards? Once they actually start approaching you, this could mean light harassment or actual violence. There's no real solution here - running won't help if they know where you went and wait for you.
-- Do not act or show fear, they will sense it and only make it much worse. Act calm, normal, etc. Maybe one really just does want a cigarette, but do not nervously stammer you do not have any. Just respond normally, "sorry man, I do not smoke anymore". Do not actually give them anything, it could be a way to divert your eyes.