Pretty obvious ATG is going to different for each person. I think if I remember correctly when I took the MSF class. AG was Helmet, Boots, Gloves, Jacket, and pants (jeans), that was the minimum for ATGATT.
Once again it all comes down to how much risk you are willing to take. I too will dress different depending on the type of riding I am doing and environmental conditions.
Its all degrees, Padded riding pants are better than jeans, jeans are better than shorts etc.
"Beer cans explode with a nice loud pop when they are hit by a Heidenau K60 at 40 miles an hour. Now my bike smells like last call..." Me