Makes you wonder, eh?
There are some folk who say you should be free to ride in anything you want to, any time.
Me, I'd rather give myself a fighting chance by wearing something protective.
I've got a few scars and lumps and bits and pieces out of me as I used to ride off road, not always in the right gear,,, or clothing.
I'd rather now, 35 years later, spend an extra 2 mins and an extra few bob (at the risk of feeling mildly uncomfortable if it's hot or whatever) on keeping my skin on and bones mostly in the right places.
I still like to ride like a loon occasionally but as safely ~(blah, blah, blah) as possible to enjoy another day riding out.