I think there is a time and a place to ride with and without all the gear.
I am spending a couple of months down here on Marco Ialand Florida.
The highest speed limit on the island is 35 mph. and the weather is usally close to 80.
It sure feels good to jump on the bike in shorts and a tee shirt and go for a ride.
I do find that when riding with limited gear on, I do give traffic more room and pay closer attention to road conditions.
If I was to ride off the island and go to Naples, I would want a suit of armor!
Anyway, to each thier own. Besides, you only need a helmet and leather if you fall down!