For me, ATG at a minimum is boots, pants and a helmet. And that only applies for short trips in town. I realize that even at 30 MPH, I could lose some skin - but it's a risk I'm willing to take for the convenience and comfort. As long as my brain stays un-mushed, the rest will heal.
I'm amazed at the number of riders here in the MidWest with zero protective gear. I get weird looks putting a helmet on in the parking lot after work.