A - All
T - The
G - Gear
A - All
T - The
T - Time

Only protect the areas of your body that you do not mind losing.
Dress for the Crash, Not for the Ride.

Need more realistic, close to home reasoning... go see Chuck at Bayfront Medical Center.

He was wearing a helmet (which has severe damage to it), gloves (which did thier job... but are destroyed) and boots.
He has no damage on his feet, hand or head.
The rest of his body is covered in blood and puss soaked bandages.

Wear your gear.