My basic theory is: I'm at least a semi-skilled MC rider. I'm not dressing in case *I* screw up, I'm dressing in case someone else screws up for me.
I've crashed on bicycles. It effing hurts. If I'm not having to pedal my ass around you're darn tootin I'm wearing something that mitigates the road rash as well as impact I feel!
I'm a cyclist that rides motos, not a moto rider that rides bicycles.