I wear everything I got most of the time. Always wear the MX boots. Hard steel against bare ankles is painful. Knee pads have saved me from several gashes that only made it thru my pants. Hip pads to protect my bionic hips. Chest-no. Back yes and no depending on which jacket. Shoulders, elbows and hands for sure. Again skin vs rock is a contest rarely won by skin. Helmet...Duh!
Riding style...common sense rules...reasonable risks on trail, dirt road and pavement.
IMHO, your results may vary.
Start slow then easy off