Having read this thread from start to finish I think it is worth pointing out that places like Cabarete are far safer than is perhaps being portrayed generally. Certainly, I feel safer walking around Cabarete or even Puerto Plata, than I do in London! I've only been 'mugged' once in my life, (beaten up but not actually robbed) and that was in my home town in the UK (Morecambe, pop around 40,000) so keep it in perspective.
So, from a tourist point of view, especially the AI tourist who is now convinced they will be mugged just walking to the gate at Playas Doradas...
Get out there and enjoy this beautiful country!!
But don't switch your brain off either!
Carry as much money as you need at that time and that you can afford to lose. Someone jumps out in front of you with a knife or a gun, give them your cash! Most thieves are 'hyped up', don't give them a reason to use the weapon. My life is more valuable to me than a few thousand pesos, he can have the pesos and I keep my life. Try and be a hero, he may well take both or 'simply' the wrong one.
If you go out dripping in gold, you'll get mugged. That's the same in London, Manchester, New York, where ever. If you are going to a 'posh dinner', you get driven there and picked up... same as you would back home. If you're an AI tourist, it's doubtful you'll be doing that though!
Most male tourists who tell you"I got robbed by a prostitute" don't add... "but I was drunk in the street at 4am and thought they really liked me". Guys, if you're approached by a girl at 4am it's not because she thinks you're a sex object! She wants cash and will go for it one way or the other. Keep walking and don't talk to her. You talk to her, you get robbed, your fault! Besides, if you followed rule 1, you'll not have much left at that point!
First time you go into the city, especially if you don't speak the language, take a guide. Our first trip, we 'chatted' to a waitress in the hotel who agreed to show us around PoP on her day off. It's a quiet city and no problem to walk around unescorted. After that first time to get some confidence and bearings, I was more than happy to go in alone. The difference with having someone is they can show you the tourist bits. Don't be a snob, you're a tourist, that's why you are there! Get the gua-gua and have your 20 pesos note in your hand when you get on.
Someone previously mentioned camera bags. I have a 'ruck-sac' type camera bag, which carries a laptop computer and about $3000 of camera equipment. But it looks like a battered old ruck-sac, not worth anything. The camera is either in use or in the bag. Insure your kit, then use it. No point carrying it all that way only to leave it in the hotel room because you've been scared into thinking you'll be robbed!
I tend to have a few large notes in one front pocket, a few in the other front pocket and small notes in back pockets. If you are pick-pocketed it is almost always the back pockets. Also, you can 'choose' when to show your cash. If you only need to pay a small amount, you can pull low denomination notes out rather than a large wad of 500 or 1000 peso notes!
If you are AI and walking around PoP, you might meet one of your friendly waiters! "hey, you know me, I'm a waiter at the ...... Hotel" where you just happen to be staying... First time this happened to me I carried on walking, convinced he wasn't but confused anyway. D'oh, these guys know all the hotels by the colour of the band you have on your wrist! You've forgotten about it, it's been there so long, they see you a mile away! If people can get you to stop walking they've a better chance of selling you something... or scamming you! Sometimes, if you ask at the reception, they will cut the band off and put another on when you get back if you let them know you are going into town. Better still, don't go AI unless it's your first trip! If you go into town with an 'official guide', they are probably on commission rather than trying to rob you. So 'negotiate'. "You can take us into four souvenir shops, and only after 3pm" or whatever. Then accept that you will buy a load of tat in the shops he takes you into. The guy has a living to make. If you are feeling nervous about the route he's taking, especially if it looks 'off the beaten track', turn around and head back to the crowds.
As the thread is actually titled "How to be Safer in the DR", could I move the conversation off crime?
Especially for tourist...
The moto-concho (sp) or 'moped taxi'. Why would you even think for a nano-second that this is a "good idea"? Do you ride a motorbike back home? Percentage wise, probably not. If you don't, why? Probably because you've had years of thinking it is 'unsafe'. So let's think this through... you won't go on a motorbike in a 'first world' country, where the roads are reasonable, the standard of driving generally okay, an ambulance will come quickly to pick you up if you come off, yet when you're on holiday, you'll jump onto the back of some kid's bike, that was last serviced when it was new and the only rule of the road is biggest wins? If you do ride a bike back home, do you wear leathers and a crash helmet? My leathers & helmet would cost about $2400 to replace. Someone once said, when asked by a novice 'how much should I spend on a crash helmet?' replied, "if you have a five dollar head, buy a five dollar helmet"... If you really want to improve your safety in the DR, avoid moped taxis like the plague. This is from someone who has a CBR 600 and has seen 140mph on the speedo... but who also witnessed a double fatality in Vietnam when a bike went under a truck (where the style of driving is very similar to DR). Two dead bodies laying in the street, one with no skin on their back from being dragged along by the lorry is a sight I'll always remember... If you want to increase your safety, just don't even think about it.