For me it really depends on the weather, and the riding I am going out to do. Usually (95% of the time) I will wear at least my jacket, gloves, boots, and helmet (duh!). When it is really hot and humid, and I am just going to work or running errands, I will go in a t-shirt, gloves, boots and helmet (duh!). I know, I know, a t-shirt is just asking for road rash, but so what? I have had my share of road rash in my day, but I just find it unbearable to wear a jacket on really sticky days. Now if I am going for a blast through the twisties, I will NEVER go without my jacket, since the time spent standing still is minimal, and the chances of a get-off are much higher. In the city, in traffic, a jacket is more of a danger to me than protection. When I start getting all hot and sweaty inside it, I lose concentration and get aggravated, which is more dangerous than any road rash possibility.
[This message has been edited by Rossco929 (edited September 11, 2000).]