HJC makes a good lid. I like the slide down sun shield on mine and it was even tolerable in 114 degrees last summer with the internal vents and a little water poured over our heads before putting the helmet on it was almost cool for a few minutes.
that's a good idea - the water thing- I often even pour water on the helmet ...
http://www.revzilla.com/product/alpinestars-t-breeze-air-flo-jacket get a jacket similar to this, do not ride in a tshirt, flip flops, sneakers, or without gloves.
I have summer gloves with all the protection, got it on sale a few yrs ago at cycle gear for 70 bucks, have had an alpine mesh summer jacket for yrs-well worth it.
for boots I wear steel toe hikers I got on sale, I would rather wear real mc boots but cant afford them and they are not comfortable for walking. You always need a protective jacket, gloves, boots.
You'll find that spills happen far more often going slow, like when you stop at a stop sign or if you happen to drive over some gravel... wearing a jacket/gloves will mean a difference between annoying and painfully annoying, the difference between picking up your bike and going and looking for a first aid kit and water to pour over your road rash..
Bay Area Riders Forum has some great tips/links to cheap(er) safety gear.