When I first started riding a motorcycle, I have been riding and racing bicycles for 20 years. I've crashed doing 35mph. I've been hit by a car multiple times. Plus many other crashes which resulted in a minor injury, including a few helmet impacts. BTW, all my road crashes I was wearing lycra clothes. Some of my mountain bike crashes I had arm and leg armor.
Without any previous experience on a motorcycle, I thought to myself, "I bet crashing on a motorcycle will be 100x worse than a bicycle. I better wear protective gear".
And since all I do is turn my wrist, it is not much effort to wear a leather jacket, boots, body-armor, kevlar lined pants, and gauntlets.
I bet none of the casually dressed riders have ever gone down.