As is often mentioned, the most important safey device resided between your ears
As for what to wear, it is horses for courses
When going to the beach, I used to ride in swiming trunks, thongs T shirt , plastic sunnies & Gloves My riding days predate helmets
Now because I was not wearing much protective cloths, I rode in an appropriate mannar, Slowly & allowing a lot of space between me and everything else
Then one day I got "shot" in the chest , the bike slipped out from under me & I hit the road.
When I had regained consciouness in the hospital , minus a good amount of bark I asked the nurse "did the bullet doany major damage .
She looked at me strangely & walked away
The same question got the same response from the doctor
The next morning when I was being discharged with a broken rib, the triarge sister gave me a specemin jar, containing the "bullet" that had knocked me off the bike.
A somewhat flattened christmas beetle .
That was the last time I rode without some sort of a jacket .