>>I am not trying to get all philosophical or change the subject here, but how many of you are honestly more daring all suited up than not.<<
I suppose you could get even more stupid with a sense of false security as such. I recently went down on gravel at ~25mph with full leather armored gear. I can say that I'm really glad I was wearing all that stuff, because I'd probably have a broken elbow where I have a bruised one now, and although it did a great job of salvaging my knee, it didn't really do much for my bruised chinbone and fractured right thumb.
The point of all this is that I went down in relatively soft gravel at ~25mpg, and got pretty phucked up. Imagine flinging off at ~60 in the same outfit. How well do you think you will fare? Granted, your skin may be intact, and your spine MAY hold out, what with my Knox spinal guard and all, but I bet you'll spend good time in a hospital with who knows what broken whatever.
All the leather/kevlar/armor in the world ain't gonna do shit for stupidity.