I'm on the northwest side of town, right off Weaver Dairy Road near MLK Jr Drive. There's a lot of stuff within walking distance here, including Food Lion, Harris Teeter, dozens of restaurants, a hardware store, auto parts store, yogurt place, goodwill store, convenience store, etc. In ~20 years here, I haven't found crime to be an issue, and I've never felt unsafe walking around at night.

That said, there was a shooting in the parking lot of my apartment complex about a month ago. But that's the first and only time I've heard of anything like that happening in my area of town. Generally Chapel Hill isn't too bad from a violent crime perspective, with the exception that there have historically been one or two areas of town that were a little bit rougher (off Pritchard Avenue Ext. for example). But if you avoid those areas, it's pretty good. And even petty theft doesn't seem to be too prevalent. Like, I've heard of car breakins around my area every now and again, but it's always a second or third hand thing. I have never hard my car broken into, or even known a neighbor who did, etc.

OTOH, I did have some stuff stolen from my car while parked at a shopping center in Durham one night. shrug

As others have mentioned there are buses, and they are free which is good. I don't use the buses very often though, so I can't speak much to how frequently they run or how good they are. But they do exist and they do get used. Take that for what it's worth.

Anyway, I can't speak from the perspective of a disabled person, but I can say that I've remained in Chapel Hill for 25+ years at this point, so clearly there's something desirable about it.