Helmet always, jacket, boots and gloves sometimes, pants hardly ever.
I've never crashed in 10 years of riding so that's a factor for SOTGSOTT. Another factor - I've crashed while bicycle racing on asphalt many times, and used to play softball in shorts 5 nights a week in S. Fla. (chronic skinned knees).
Road rash heals in a few weeks and is not the end of the world. For me its WELL worth 10 years of riding in comfort (SOTGSOTT) for 1 episode of road rash.
If I'm going bicycle speeds on a motorcycle, I'm wearing bicycle clothing.
Some here may have a different risk tolerance, but whats with all the ATGATT evangelizing?