I get what Jim is saying.
I've seen people in the Physical Therapy and Rehab centers where I do my student observation who have severe trauma related injuries from slow speed crashes. Just because you're on a cruiser and not riding balls out doesn't mean you can't still crack your melon or suffer a spinal injury, cracked or broken pelvis, etc. Not all low speed crashes just result in rash.
Changing your gear to a lower level of protection because you're on a cruiser is just not consistent with reality.
Watched a guy in myrtle beach last year get run completely over and killed at an intersection where I was about 6 cars back.
No amount of gear will save you when an SUV runs you completely over and parks on you.
Had two high schoolers die right beside my house on grad night last year. They were belted in and in a car with airbags. I was one of the first ones on the scene and couldn't do a thing for either of them.
We pays our money and we takes our chances, ultimately.
Poser. Not a poser. I won't feel your rash if you're wearing a shirt and shorts. I won't feel your bruising if you bounce down the road in your leathers.
We engage in a crazy sport/hobby/lifestyle where the philosophy of posing or not is ultimately moot.
I gear up and hope for the best. But, someone texting could park a Tahoe on me and no matter how much gear I wear, I'll squish like a grape and make my way to ValHalla.