I've been riding for just over 2 months now, and I haven't gotten my heavier riding jacket yet, but I always ride with my helmet, mesh riding jacket, gauntlet gloves, and riding boots, need to upgrade to better boots, and for now icon kevlar geans. I would love to get a full suit.
I drive transit buses for a living and travel on I-5 between Portland and Vancouver, and I've seen a lot of stupid things. The other day I seen this guy in full gear and his girl on the back with just a helmet and hotpants and t-shirt and high heals. I don't think he thinks much of her, if they go down she is a goner. Oh did I forget to say that he was being stupid and driving faster than the speed of the traffic, 20 mph, and weaving in and out of all 3 lanes and his girl was flopping like a rag doll.
a few weeks ago I seen this guy drive about a 1/4 mile on a wheelie in shorts, sneakers, and a helmet.