I would have to say that armored riding gear is a must have on any ride, whether hitting those twisty canyons and mountains to the store down the street. I have low sided and thanks to the armor, rode home with just a bruised knee.
I don't have the full racing leathers but I say if you can afford them get that stuff. if just commuting casual I always had Jacket, helmet and gloves, when doing spirited rides I had the pre-mentioned gear and some pants that have hip armor and knee armor over my regular pants.
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