When I was young I was lucky enough to crash, more than once, without all the cool gear that is available. I now find the time to gear up. Why? Like I said I was lucky and only had to learn about debridement. Some of my friend were far less fortunate.
It's a personal choice now as far as I'm concerned. However I would ask you to take the car whenever you don't feel like dressing up. At least make that a rule.
North of I-90 Zone 3 KLX300SF