Protection is a spectrum. On one end you have those odd people that seem to enjoy riding naked

On the other end you have people in full armored gear, air vest, carbon fiber reinforced gloves, knee braces and the beefiest MX boots they can find. Some naked idiot might never have an accident and swear that all the gear in the world is a waste of money. Some totally geared up safety freak can end up just as dead as those suicidal squirrels that must have family trouble at home and can't decide which way to run when my truck is bearing down on them. There are no guarantees. You can only play the odds and try to stack the cards in your favor. We will ALL have different ideas of acceptable risks. I mean, the fact that we even ride shows that we have a higher risk tolerance than many other people that think of bikes as nothing more than murdercycles

Gear is about more than just a crash. It is about protection from the elements while also trying to keep it comfortable to wear. There are so many compromises to be made that it is crazy. If the gear is so uncomfortable that you never wear it and fail to ride, then it is worthless for you. Not everyone can afford or needs the top of the line stuff, even if it might be "worth the money".
Somewhere I read an article about the human body's ability to cope with trauma. It mentioned that the body is actually fairly resilient if there is only one serious trauma, assuming it is not something that just kills you outright, like broken limbs, internal bleeding, ruptured organs, etc,... All stuff that might eventually kill you without medical treatment, but generally stuff you can survive and recover from if treated. However, a combination of serious traumas, each of which alone might not kill you, can radically reduce your chance of survival. The conclusion was that most people in average physical health can handle one, maybe two, and in the extreme case three different traumas before the body is just overwhelmed. For me, good gear is NOT about preventing the possibility of ANY injury in all cases, an impossible goal. It is about increasing the odds that if something does go bad, any injuries I might receive will be as minimal as possible to hopefully avoid that potentially deadly combination of traumas. My SIDI Adventure Rain boots may not ALWAYS protect my ankles from my 600 lb GS if it lands on them just right, but they do increase the odds of my ankles surviving in other cases and of minimizing any injury they might receive. The same is true for my pants, jacket, gloves, and helmet. Road rash alone is considered to be a major trauma, so just eliminating that helps reduce your chance of hitting that magic three serious injuries. This is why I NEVER ride without gear, even if I am just cruising around my neighborhood or running down to the corner store. When my body hits the ground, it will not care why? It will only care about how fast and hard it hits and what is between it and the ground.
I bought the boots I have because they are GoreTex and I wanted waterproof boots. I was tired of wet socks and boots. I bought my pants and jacket for much the same reason. I was tired of packing rain suits and trying to put them on before getting hosed or constantly putting them on, getting too hot, taking them off, having to put them right back on, rinse and repeat. I also wanted impact and abrasion protection. The same is true for my gloves and helmet. I have done the 70 mph slide on chip sealed pavement and walked away because of quality gear. I have had some pretty whacked out get offs doing the ADV thing and walked away... albeit with a headache and sore neck. I have had a deer give me a smack down the ONE time I was not wearing my ADV boots and now I have screws permanently installed in my left ankle. My ADV boots might not have made the difference, but then again... they might have. My gear is comfortable. I wear it even when it is hot. It vents well and that combined with moisture wicking base layers makes a HUGE difference. I ride even when it gets freaking hot in the summer. I draw the line at 35F because of the chance of ice, not because I can't keep myself warm. I ride in the rain and like to stay mostly dry. All this gear does not guarantee that I will always come out fine and walk away, but it stacks the cards in my favor enough that I am okay with taking the risks.
Training is the same as gear. You can learn from the school of hard knocks. I do not recommend it. Been there, done that. It hurts and is expensive. Training is cheap in comparison to damage to most modern bikes and especially even a minor trip to the ER. If you take it seriously it WILL reduce the chances of you getting hurt and/or tearing up your bike. It is NOT a guarantee, just like the gear, but it helps to stack the odds in your favor. Learning how to ride smart, riding for the conditions, avoiding getting caught up in testosterone competitions, and the like can also make a huge difference.
The key thing to remember is that you can do everything RIGHT and still come out on the wrong end... Life is just annoying that way
My SIDI Adventure Rain boots are hinged at the ankle to allow the foot to more easily flex in the up/down direction for walking, shifting, and braking. They are reinforced to prevent lateral rotation of the ankle, which is what broke my ankle when I was not wearing them and the deer took me out. If a big rock hits the front toe section at any serious speed, and that has happened, it freaking hurts. However, my toe was not broken, just sore for a day. I use soft side bags on my GS for the reason DFW_Warrior mentioned. I don't want to have a leg caught by a metal bag and snapped. I get made fun of for standing almost 100% of the time when I ride my GS off the pavement, but hard won experience has taught me that is MUCH easier to eject and get away from the bike if needed when I am standing than when I am sitting. It also just handles better and feels more natural to me. These boots are comfortable when I am standing all day and when I walk in them. I used them for a 50 day 8200 mile trip where I was in them pretty much all day, every day, until the end of the day. They were great. No, they don't give the protection of a full MX boot, but again, it is about compromise. I don't know that I could have done that trip in a full MX boot without a lot of discomfort that would have made me not want to ride at all. I purchased the first pair in 2013 and used them until 2023. I had a second pair sitting in the closet and decided to start wearing them for no particular reason. The original ones are in the closet and are still perfectly good. They are still waterproof. All the orginal straps are still intact. The were expensive up front, but spread out over 10 years it was $50/year. I crash tested them far to often

They never failed to do their job.
