It all depends on what you want. You have choices... protective gear or the possibility of significant injuries. Folks who have never had an accident generally don't (and can't) understand the consequences and preaching doesn't work.
Riding a two or three-wheeler is NOT the same as riding in a car. Everybody else on the road is bigger, out-weighs you by at least 2000-3000 pounds, and are not concerned (or so it seems) with your survival. You have little to no protection other than (1) what you choose to wear and (2) the inventory of your own riding/crash avoidance skills acquired over a long period of time.
I can tell you that broken bones and road rash (which can, itself, be a significant injury) is not fun and, in my case, I want to avoid or minimize them if at all possible while still having a hobby that I enjoy.
With that said, in the summer I wear an armored, mesh jacket along with a flip-face helmet, motorcycle mesh gloves, Bohn UnderArmor, and sometimes, Kevlar jeans. BTW, I have found the mesh jacket as cool, if not cooler, than just a tee-shirt.
The below pic from 1987 represents more than $120,000 in 1987 medical expenses, 62 days in the hospital, three surgeries to save the leg, almost losing an executive-level job, seven years of recovery and untold years of pain (even today, 22 years later). Pssst... the accident was not my fault!
You have choices. I always tell folks to dress for the crash, not the ride. I'm not trying to scare you off from riding but I am trying to educate you to the extent I can... so that you can be prepared.
Think you did :yikes: