A.T.G.A.T.T. is just as important as skills. However we do have choices. I could get in trouble as an MSF rider caoch but in Florida when its hot I don't always have a jacket on however I do on the range. On my touring bike I somtimes use a half shell helmet, DOT police type. In reference to my skills I ride over 25,000 miles a year, practice 2 hours a week with the Daytona Harley Drilll Team and teach 2 or 3 times a month.
Whats more important, skills or gear, its up to you.
His 11 G650GS, 14 Fatboy
Hers 12 Burgman 400, 14 Switchback
Project 78 FLH
Before you can be old and wise you must first be young and foolish, and live thru it.