You're mostly a bunch of pedantic freaks! Yes, a helmet is absolutely the minimum safety gear and I'd probably wear gloves too, since I use my hands for work but to get fully dressed to ride a moped for two k's to the beach or to work or just around the corner to the dairy, I'm sorry, the risk is worth it. If somethings gonna hit me, jeans aint gonna help. As far as gravel rash goes, fallen off enough bicycles at slower to similar speeds to know the risk.
One of the reasons I ride a bike is for the freedom and I'll be buggered if someone tells me to gear up to ride to the shops.
If I'm going out on the Z, I wear the appropriate gear and it's saved my bacon several times.
That said, I live in a dinky little town. If I lived in a city I would probably see things a bit differently.
"You are only young once, but you can stay immature indefinitely."
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