I'm glad you're an ATGATT kind of girl! I am too, but frequently go with just jeans or khakis on my way to work. I am 100% gloves, jacket, helmet and boots though. Tonight I just fell off my bicycle going less than 8mph and ended up with some pretty decent road rash due to wearing shorts and a t-shirt. Helmet saved me a bump on the head too! All the more reason to reinforce my own ATGATT policy, especially in light of your success story.