Originally Posted by rivercreep
Really = tell me a good argument and change my mind.
OK, here goes:
If, in your opinion, it is worth it, you should wear abrasion protective gear to cover your entire body and wear impact protective gear on your entire head and the obvious impact zones (shoulders, elbows, knees, hips, spine).
If that didn't change your mind, you don't think it is worth it. So you don't do it. Personal risk/reward assessment, we all need to do it and come to our conclusions.