Very true.....at least decent gear goes a long way to reducing the severity of the injury's, and the ensuing costs that go with rehab. I just cringe when I see a very high % of riders ill equipped, particularly amongst commuters who are more likely to have a "im late for work" or "that was a hard weekend" switched off moment...

Disclaimer - not implying commuters are muppets or more likely to crash haha - just stating from experience and what I see...