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My rule is dress for the crash not just the ride. Expensive gear is always cheaper than hospital bills
Now, Kevlar will protect you in slow speed crashes so will textile. For highway speeds leather is best.
As for a jacket, you can get a textile or leather jacket without armor and then add the stand alone. Since you are just starting the Kevlar and textile might work for this season.
Winter is the best time to buy, you can get left overs and last year's models or even discontinued models cheap.
The stand alone protection will help with broken bones but not burnt skin.
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