In winter I am fully geared up all the time. In Summer, usually just a mesh jacket with armor, full face helmet and protective gloves. I will be adding a pair of mesh pants this year. I don't ever wear shorts when riding, so jeans & hiking boots at a minimum.
As for my passengers (wife & kids only) if they can fit in my spare jacket, they are free to use it, otherwise jeans t-shirts and tennis shoes are ok. They really don't ride often enough to warrant buying additional gear.
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-Sandman
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