I sometimes ride without full gear, and I certainly know the risks (as in OUCH). But one rule I don't break is "No bare skin".
For commuting to work the minimum gear I wear is full face helmet, Leather Jacket, Leather gloves, solid shoes. For trousers, sometimes its just regular jeans, sometimes kevlar jeans and sometimes full leathers. That choice depends on the weather and how much traffic I'm expecting. Its only a 10 km commute and if I'm expecting heavy traffic (more than about 6 other vehicles on the road) then I'll go for the kevlar jeans rather than normal work ones, or leathers over normal trousers.
For longer trips its ATGATT.
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