That's an interesting topic... the "it's not worth it" decision point. We all have one, even the most hard-core ATGATT riders.
Seriously... if you were to literally move the bike two doors down to a friend's driveway, or ride it through the paddock to tech, would you gear up? Nah. So there is a point at which the balance tips. The only question is, where?
For me, the point of concession comes when I ride a mile or so to the diner for lunch. It's still jacket, gloves, helmet and boots... the only concession is pants.
@
cadd, I'm curious. Aside from the need to gear up and then change back only 20 minutes later, what's your rationale? Do you feel there's less hazard because of the shorter commute?
What, qualitatively, makes the longer trip worth the extra protection?