And here's another opinion of mine: I think some of us have pretty high expectations of our riding gear. I see a lot of posts about how ATT saved somebody in an accident--OK. But, if you get T-boned by a Chevy Subdivision at speed, your Roadcrafter will simply be a handy body bag. Yes, the more gear you wear, the more skin you'll save, but there are limits.
Again, I say know the risks and wear what you feel comfortable wearing that day.
Notwithstanding my sig line, I've decided that I'm an ATTMOTT guy, but that category wasn't listed by the OP.
'12 Moto Guzzi Stelvio NTX