I have been down, with and without gear. With is better. Odds are good that I'll get to meet the ground again, whether paved or not. So I gear up. Icon Patrol boots, Draggin Jeans, jacket/gloves and helmet.
Since I'm already wearing the boots and jeans when I walk outside, and the jacket and helmet live on the bike, it takes a couple minutes to 'gear up' while the bike warms up. No biggie.
More serious or adventurous rides, I'll wear more gear. But that's pretty much my minimum. I think people who ride without gear are stupid or uninformed, but that's based on my perspective of past personal injury. I keep my opinions to myself and let others do as they wish. No skin of my ass, hahah.
Read The Patriot Post -- It's Right. It's Free.
Sometimes the light to see your way forward is provided by the bridge burning behind you.