As an old, washed up, ex offroad racer, wearing gear is second nature to me and I won't ride without it. WHICH gear is a different thing; it depends on the ride: for highway, I wear mostly leathers and dual sport boots. For mixed on and offroad, I have textile armored coat, pants, dual sport boots, gloves, etc. ....for more serious offroad jaunts, I trade up to my Alpinestar Tech 8's, riding pants, knee/shin guards, kidney belt, roost armor/flak jacket, etc. The very least I wear for short jaunts around town are boots, kevlar reinforced jeans, armored textile jacket, helmet and gloves.
....I've crashed waaaaaay to many times to consider riding without gear.