yup…
theirs a place and time to be smart, and be dumb…and wearing gear is just smart. Whether you never go down, or you do…its always nice to have that assurance knowing IF something were to happen, you have a better chance with gear.
Today I saw a old lady switch lanes on the highway right into a bike. The bike rider saw it coming and changed lanes as she was changing lanes…but he had full gear on as well. Lady didnt have a clue. All it takes it one time like that.