If ultimate safety were the goal we wouldn't ride.
It isn't. The ultimate goal is to mitigate injuries reasonably. There's danger in nearly everything, as in something as innocuous as taking a shower. Using shower as example, if a person can reasonably avoid slippage, electrocution, burns, etc, a person should.
The separation between shower and riding is that shower is way, way more contained than a public road. If I slip, crack the skull and become unconscious while bathing, it is unlikely anything will happen to a neighbor. Perhaps water damage in case of condos, but even that is very minor. If I slip, crack the skull and become unconscious while riding, it's a crapshoot for many of the fellow road users. What if that can be avoided with entry level BILT gear?
If the rider wants to ride in its own property, ride naked then! If a rider wants to use public roads, then there is a minimum of responsibility towards the rest of us.
Oh, for all the peeps, please ping me if you need to borrow gear. Fat, skinny, girl, boy, new, old, you name it. This gear whore will gladly lend stuff. This gear whore will even lend you money so you can buy something of your own.