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I always make sure that my skin is covered. I don't like the feeling of the t-shirt, I did it once, and I was paranoid as hell about crashing. If I know I'll be going no faster than 40mph the whole time I just go with jeans and A* Octanes (sometimes running shoes and a sweatshirt) But I always wear a helmet and gloves and 99% of the time my jacket.
The only time I don't have full gear is, like I said, when I know I'm going less than 40mph and it's around town. Our town is like 2 sq. miles, if that gives you an idea of how far and fast I can ride. I just get paranoid when I don't have gear, which outweighs the feeling of the wind and what not.
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