I have a 3 season leather jacket with armor that I use. Last summer riding around the country I was in a t-shirt and shorts and tennis shoes....Something flew up my shorts and bit my a#$, actually bit the side of my thigh.......man did it hurt!!! I had a welt for a week!!!
I will use protective gear from now on.....Gloves, leather jacket, boots, probally jeans, I know jeans offer zero protection......and full face helmet....
My wife on the other hand is too concerned on looking good to be concerned with proper protection.........
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dan