YES. In my experience, it is very common. Half the riders I see don't even wear helmets (here in Minnesota). I'm always amazed to see the bikers riding in the cold rain with sunglasses and no helmet. You'd think that for no other reason than comfort they have a helmet on then. The "ATGATT" mentality is at the extreme end of the riding gear spectrum, with flip-flops and no helmet at the other extreme. Most people fall somewhere in between. Reading these boards you'd thing only risk-taking lunatics rode without head-to-toe padding. IMHO your "naughty" list is more than what 99% of what other riders wear. Are they all crazy? I think not. FWIW, I have Kilimanjaro jacket and pants, and wear them when going for a ride, meaning at least an hour of pleasure riding. If it's warm and I'm making a quick 4 mile run to Home Depot for nuts and bolts, I wear a helmet, jeans, jean jacket and gloves. Donning all the Apollo 13 gear for a quick run can take the fun out of the quick errand.