Leather, nakedness and commuting

[Slaninar]

It's about mitigating the risk.  For the sake of feeling a bit warm in the weather you reduce the risk of dying from bloodloss in an accident dramatically. 

Same could be said for motorcycle riding. For the sake of some feeling of excitement and enjoyment, you're risking your health - take a bus. 

When I don't ride in full gear, I take it slower, easier.

Riding in full gear in hot weather makes you nervous, sweaty, and you can tend to get into more risks than taking it slow in shorts.