I'm pretty much ATGATT with the exception of the occasional work commute and then I don't wear armored pants. Then again, I live in a town of 5,000 and my work commute is a whole .65 miles.
Last year in TX I spent a week in a town of about 1,000. I rode to the convenience store for beer without a helmet and I felt completely wierd. I put the helmet and jacket on the next trip.