A perennially hot topic, so it might be an idea to see where folks are at on this apparently contentious issue. Me, for nigh on 5 decades.... Tend to be clad for the weather and where I am going, topped off with an open faced helmet when I am on the road. In more temperate climes that would include a jacket and gloves, but here in the tropics I just pop on a helmet and ride off. Off road: no helmet for pottering, but helmet and a decent amount of gear if going hard.