I wear my suit pants and dress socks on my bike. If I'm only travelling 5 minutes through town under 50km/h (realistically more time a traffic lights) it's similar speed to riding a push bike and I don't wear protective gear on my MTB.
The moment I'm on the motorway I wear cordura though. It's just they're so bulky and a pain in the arse when people see you taking your pants off in the alleyway by the carpark...
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