Not that this is a secret to any of us, depends on the situation. Tee Bone a pick up truck at 50 Mph, well your dead gear or not. Low side on your own and not hit anything I am thinkin you be dam glad you agatt instead of jeans and a tee shirt.
That said I think there are some stupid things on both sides. One of my favorites is after an accident were someone tells of the doctor saying to them "if it weren't for the gear you would be dead". That's
. Cause less that Doctor went and and took detailed measurement/reconstructed the accident and made calculations of the forces involved to even hazard that type of guess, it is just .
Human beings aren't always logical and consistant, I am no different. Some times I wear all the gear sometimes I don't.