Seems obvious to me,
The more gear you wear, the better your odds of avoiding or reducing injury, but no amount of gear will make riding "safe". How can anyone argue that????
I'm a MTGATT rider.
Being a full time year round rider in the PNW, staying warm and dry is a priority, and gear that works on and off the bike is important.
I always wear a modular helmet, gloves, steel toe work boots, and jacket. Only 1 of my jackets has armor but I rarely wear that one, I wear jeans or work pants, my only riding pants are rain pants.
In the past 25 years I have been hit twice by cars, and down twice, the amount of gear I wear allowed me to walk away each time with a few very minor bruises and scratches.
I believe in gear, but I just don't feel the need for %100 track level gear for how I ride.
"Take care, sir," cried Sancho. "Those over there are not giants but windmills".