I'll agree to the above, and while I own most of that gear (bar the pants) I don't always wear anything except the helmet when going for a short trip such as 3 minutes to the local supermarket for some bread and milk. Thats because its my choice and I can make it (except for the approved helmet which is madnated by law here).
Now, one more thing I will say is that if you plan on NOT wearing some aspect of gear such as a jacket, gloves or especially an approved helmet, I will ask that you please be in a health fund. I'm a semi-broke barman and am in a decent health fund, whats your excuse? Anyway, just something to think about as its one thing to come off and quite another to be able to be fixed afterwards.
Cheers - boingk