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On the subject of gear and risk compensation, I find I ride so "carefully" when I'm not geared up properly-ish it actually impacts my riding negatively. Slightly tenser grip on the bars, being too conservative with the throttle (letting off the gas in a corner upsets the stability of the bike and can cause a rear wheel slide, as you may or may not know) and generally riding in a much less confident manner.
Not something I do often, but if I'm just popping down the shops (five minutes walk away - I know, I'm lazy) then it's usually just helmet and boots on. Maybe jacket.
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If you have a different frame of mind when you ride in different garb, you will always be , to a degree, a risk to yourself.Riding is a learned skill, knowledge and experience thing, the only reason I wear anything is IN CASE OF.......Puncture, pratt pulling out or cutting in,bird flying in my face, helecopter rotor flying off bouncing off a passing yak and slotting in my wheel, saturn having a fit and throwing its nut clusters off to earth just to the exact point I'm cranked over .........etc etc otherwise I wouldnt wear much at all and still ride the same..if you get the point..
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