Good post dpex.
I have been through this thought process myself however have come to completely different conclusions.
Last week we saw that poor 71 year old bugger die whilst sitting in his car minding his own business when a 2.5 tonne 4x4 hits him on the head. His number was up and that can happen.
The fact is that if you screw up on a corner or come into contact with something that shouldn't be there, then there is a good chance that you will be going down. If you are on a corner then the Russian Roulette scenario comes into play. As already stated, this is a recognised percentage of accidents that lead to death, but not the entire scenario that you should make your decision upon.
Like you I feel confident that I could ride around without protective gear all day and sometimes find it a real drag having to get changed and all dressed up like a dog's dinner.
My solution was to get two suits. One for long journeys and one for short ones. My Gortex Nylon Spool thingy cools me at around 30kph, so as well as keeping me cool it also protects me from the harmful sun (better than a T-shirt can). It takes 2 minutes to slip on. I am not a big fan of this kind of suit as IMO it is not tight enough to hold the armour in the right places should you come off however it is pretty good and during the Oil/Diesel off I had last year when I hit the ground a around 30kph, I skidded for about 5 metres and just got up without a scratch (a couple of nice bruises though). In that real life scenario I would have been Faaaarked without protective gear.
For longer journeys I wear zipped up race leathers. They also have critical cooling areas, so I don’t have such problems.
I have solved my issue and maybe you should solve yours without putting yourself in unnecessary danger:
Maybe you should swap your bike for an open top car.
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