I cant ride to the shop to get milk without suiting up...i find if i ride without all my gear, i am wracked with guilt, cause i start thinking, if i do come off, i will be just one of those people in hospital i shake my head at when i see them riding in anything less than full protective gear.
Good riding gear is a lot more comfortable to ride in and is a lot less expensive these days.
I have recently done a bit of a gear upgrade and have purchased new leather pants with full padding in hips, etc, knee pads, stretch panels, and detachable knee sliders. Decent boots with good ankle support, a leather jacket with full armour - back, elbows, shoulders. A new helmet, and a pair of high quality cordura pants with full padding, knee pads, with a removable windproof&waterproof llining, and a removable qulited lining.
All this cost me just over $1000 Australian...6-7 years ago, i would of been up for lots more. My Cordura Jacket (Clover), with removable liner and full armour, cost me $600 alone back then!
That $1000 spent will save me a lot more money i reckon if the unthinkable happens.
Oh and one other thing, i never let anyone on the back of my bike without full gear on. My 9 year old son has jacket & pants with full armour, a good quality helmet, gloves, and boots on every time he goes on the bike....and i cant even begin to think of the guilt i would have if i let him on with anything less.
Sorry to rant but i am a stickler for good gear, have seen one too many cases of hardcore road rash! and i want to do everything i can to stay healthy for my kids sake, and for my own.
No cage to protect us, invisible to most, and roads are hard!