Okay my turn for my 2¢,
I am a avid A.T.G.A.T.T, doesn't make a difference if it's a short or long ride, I have many options from a one piece leathers, down to Kevlar riding jeans
I also have Bohn bodyguard system, which is an awesome thing to have, for impact protection, it's all CE rated, and fits under regular clothing, and nobody else knows it. I call it my superhero armour
https://www.bohnarmor.com/
One thing that owners forget is the safety of their passenger, even more important that your own I feel, hence I have a few set of gear for them as well. I feel very strongly about keeping myself and my passenger safe. Just go to
www.rockthegear.org and read my friend's story, she was the passenger.
Case and point, a few years ago I got a call from my daughter, and she found herself stranded, I detoured to her, I was on my bike. When I got to her, obviously she had had, no gear. Waiting for someone else to come and pick her up wasn't an option(long story)
So I proceeded to give her all my gear, helmet, jacket, overpants, gloves. I know what your gonna say, but it was my only daughter, she was in trouble, and I had no other options, so I made sure if anything did happen, at least she would be safe, I couldn't live with myself any other way. I just took it really slow and easy, drove like an old lady going to church on Sunday morning, and all was well.