Anyone who thinks they can skill or think their way out of any potential accident is IMHO, delusional. Deer, sudden left turner, diesel fuel puddle are all out of your control.
I wear all the stuff, exception is sometimes Carhartt jeans with kevlar and T pro knee pads underneath.
The St. Paul motocop who escorted the funeral procession for my GF's father last week wore his summer uniform, gloves, boots and full face helmet. He did some very aggressive riding.