I'm probably going to get a lot of flack for what I'm about to say, but what the ****
Until I got a 3-wheeler (Spyder) I've always been an ATGATT believer. No matter the weather, I'm armored head-to-toe. But, now that I have 2 Spyders and getting rid of my 2-wheeler I'm starting to rethink this ATGATT thing. The reason is simple; with a 2-wheeler the risk of going down to the ground while in motion is very high, so protecting vulnerable body parts from abrasion, concussion, impact is / was important.
With the Spyder, it's a different story. If I get thrown off this bike, it's going to be in a collision with a substantial object (like a car, elk or even a tree) and quite frankly I doubt the armor is going to help very much. Helmet, yes, but armored pants, jacket not so much. So, I'm more interested in being comfortable, relaxed and alert than protected from spills. I think weather protection is important, as is protection from skin dehydration, but a shell can do that.
Let the flaming begin; I think your fluorescent rain coat AND helmet should be adequate protection.