I don't get people being annoyed with others not wearing protective kit. Sure, I completely understand and agree with it being unacceptable to take kids on the bike without full kit, but apart from that, this is an 'at risk' hobby / lifestyle. Most car drivers think its insane that we ride bikes anyway. My wife's friends always ask here why she 'lets' me ride a bike, and were even more shocked when I took our 13 year old son around Europe. What I'm getting at is that acceptable level of risk is completely personal.
Personally I generally wear full kit when out for a proper ride, but if its hot, or I'm popping to work / town I'll often just wear jeans. If very hot and I'm sticking to under 30 then a T shirt. In fact in France when it was 36 degrees I ended up riding with no gloves most of the time as I couldn't get them on, but I did have hand guards which keep the bugs off.
Maybe I feel differently because my other hobby is cycling where other than a helmet, which only works up to 15mph anyway, I have no protection, and will often be doing 35mph+ (fastest I've been is 55mph on the Fleetmoss descent) in lycra!
As for what annoys me most...car drivers not paying attention to the roads (especially on mobiles and failing to indicate), bikers who treat the roads like a track day and try to apex unsighted right handers, and cyclists that jump red lights
It's an interesting debate for sure, personally for me, I always kit up - it could be a 12 hour long rideout, or a 10 minute commute to work; used to do that when I lived in Swindon - actually took longer to kit up, get the bike out and then change at work, than it did to ride there.
For me personally I do this for two reasons, personal experience and a lack of selfishness I guess - if that's the right word. The former is knowing exactly how badly injured you can get in a 30 mph accident with a car, and the latter - hearing what nurses have to do because someone cannot be bothered to wear the proper kit.
Now, I know we could argue it's part of their job - for the sake of spending an extra 5-10 minutes to put your kit on, you could save someone the time and hassle of cleaning and dressing your wounds, not to mention subjecting yourself you all that pain and an increased recovery period. I just can't see it as anything more than selfishness when you look at it from a different angle - if you have the kit you should wear it, christ, it's cost us all enough so why not wear it.
I like the analogy someone once used during a debate about kit/no kit - would you run along and dive onto your kneecaps without protection? A sane person would say "no way", so why do some consider doing 30mph + in just jeans/t shirts... there's a real chance you could end up clouting your knees/elbows etc in an off.
The issue of heat I personally don't see - I've worn full kit in the height of summer when we have one

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