OK so let me see if I can sum up the last three months and 530 posts of this,
......for the TLDR crowd that want to just jump into the fray.
Gear is proven to reduce your injuries if you fail at the primary rubber-side-down mission.
It's your choice to wear gear or not. (except that which is mandated by Big Brother)
Those of us that do wear gear, would really prefer that you did too.
Your choice to not wear gear, makes my choice to ride more expensive. (but I'll choose that expense any way because I can afford it and I love to ride)
Us= gear wearers. You= Non gear wearers. (no particular BARFER is intended)
/thread

Any speed on any mobile vehicle, anything can happen.
particularly since I'm going to be moving to the clip-in pedals soon... I'm not graceful, and I know this is going to end poorly...