Yeah, more gear is better . . . and yet, there is something perverse in human psychology that works against us all, whether we acknowledge it or not. Case in point: antilock brakes on cars were a highly-touted safety feature when first introduced, but ended up having no statistically demonstrable safety benefit. How can this be? It seems that people subconsciously compensate for the "felt" increase in safety by subtle changes in behavior, and the end effect is to cancel out the potential gain.
Try a reverse thought experiment: Imagine yourself riding in bathing trunks and flip-flops. You WOULD be more careful. Right?