I've been injured in low speed (<20mph) crashes due to inadequate gear and saved in high speed (>60 mph) crashes due to good gear. I know the value of ATGATT. Nonetheless, to me, the risk in riding across town in jeans, gloves and t-shirt with a lid at 30mph is completely acceptable. I ride the exact same route on my pushbike in less protective clothing. That said, 95%+ of my road riding miles is full textiles, back protector, lid, gloves and proper boots. 90%+ of trail/enduro riding you can add enduro boots, full body armour, knee braces, hip and coccyx protectors.