Maybe it's not a good way to look at it but..... It's not if you are going down, it's when.
Sooner or later, you are going to go down. Hopefully, it's like me and just drop the bike in the motel parking lot (I'll count that as a 'go down''), but your chances of a 'close encounter' with the pavement increase everytime you take your bike out.
Me, I'd rather be prepared. I know leather jackets, riding pants and body armor is hot in the summer and full face helmets are cumbersome but the pavement is like coarse sandpaper and I've had gravel rash before and I'll tell you, there is nothing better than a pretty nurse picking gravel out of your arse with tweezers in one hand and the iodine abrasive scrub in the other.
I don't always wear my full leather outfit, the pants are extremely hot in the summer, but I do wear my leather jacket and my lid.
The people I wonder about are the ones riding their scooters in shorts, tank tops and flip-flops with no lid.......Death wish......and yes, those 'riders' who have no business riding in the first place...Scary.
I believe there is a point at which a person should give up riding motorcycles as well. At some point in life, it becomes too much to balance a bike or handle it in slow traffic situations. Rather that 'graduate' to a 3 wheeler like HD is building now or a Honda conversion, it may be time to become an armchair participant.
We could get into the discussion and the debate of 'big brother' and mandated helmet laws and the right to ride with as little or as much protective clothing as possible. I, for one, believe in as little mandated requirements as possible, to have a free choice about what to or not to wear or place on your melon but, given a choice, I prefer to wear as much as possible, whenever I can. Riding a bike puts you on the bottom of the food chain, why take a chance.