Shoei X-11 helmet all the time. Shield up 85% of the time with sun glasses.
Leather jacket for under say ~65F (maybe 3 months) otherwise I have a
kevlar shirt from draggin jeans that I wear over a dri-fit shirt or rash guard (used for surfing) during the 9+ months of summer we have in Houston. Actually keeps me cool. I know it will only protect the road rash but the leather and even my old mesh jacket with armour is too much for the heat and humidity of sitting at lights.
I wear nothing but jeans although the first and only time I wore khaki's, dress shirt, and dress shoes for work was the only time that I tested my gear or lack of although I was able to walk away with only some road rash, nasty bruises, and some sore muscles after a 45 mph spill. I was lucky!!! ( I will spare you the pictures )
My biggest problem now is that I still ride without my gloves most of the time due to the heat and the sensitivity of knowing what you are feeling. And every once in a while I wear tennis shoes instead of over-the-ankle boots.
No rain gear therefore I don't ride in it. Anyway the streets here have so much oils on them, I wouldn't want to trust the tires that much when I have seen what happens to 4-wheel cages when it just starts raining.
So in conclusion, I am one of those guys who struggles between safety and riding comfort. Hopefully I have found a happy medium and never have to test it out.