Disclaimer: to each their own, we're all adults, ride your own ride.
I'm ATGATT. I don't really consider chaps ATGATT-- better than jeans alone, but it doesn't protect your behind, and has no knee/hip armor. Personally, if I was going to go through the trouble of putting on overpants, I'd invest in something fully protective. Chaps don't save you any more time compared to complete leather overpants.
I do, however, understand the appeal of not wearing as much safety gear on the Spyder when compared to a motorcycle, and can even rationalize it.
In accidents, two wheels tend to fall over-- they're funny that way-- and you can goof even riding solo, going slow. Given the likelihood of those brands of "get offs," wearing gear to avoid road rash and busted bones makes sense.
With the Spyder, you don't run the risk of those stupid accidents-- you're not going to drop the bike on gravel, you're not going to low-side in a corner, etc. Thus, the chances of those "minor" accidents are far less on the Spyder.
The chance of more serious accidents, however, still exist, obviously. But in those instances, the question is whether all that extra clothing does anything. If you're flipping a Spyder on a highway at 70 mph, anything less than fully armored racing leathers (or an airbag suit) isn't probably going to protect you from all that much.
Then again: better than nothing. We've all seen what happens to flesh wearing nothing. Bones (may) heal, but skin grafts can take years of awful pain, and you're never quite right again.
Anyway, I find riding wearing properly-fitted quality gear to be more comfortable (AND functional). Keeps the sun off my body, the engine heat off my legs, and the bugs off my skin. :thumbup:
Besides, I'm superstitious enough to know that the day I *don't* properly gear myself up is the day I almost certainly could have used the gear. :joke: