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.
"I don't ride to be seen....I ride because I want to disappear...."
"The difference between genius and stupidity is -- genius has its limits."