RKL, I don't want to seem impolite. But just as your experiences affect your opinion of this matter, so do my experiences. And I've seen entirely too many injuries.... For me, if I were to ever ride a motorcycle, the appropriate riding apparel is nothing less than full leathers, an armored spine protector, a full face helmet, and armored boots and gauntlets.
Because after seeing degloving injuries, nearly full body road rash, spinal injuries, and (worst of all) traumatic brain injuries........
Do those injuries affect my opinion? Absolutely.
So as long as you are fully aware of the risks, and are willing to take that risk, that's fine. But please, also make sure that you are sufficiently insured, should the worst happen and you be reduced to a near vegetable.
Sorry if that sounds harsh, but the reality of what I've seen *is* harsh.