Wear all the gear all the time. Some idiot just down the street can hit you just like some idiot far from home. I've been down twice in forty years and both times the hide I left behind came off a cow instead of me.
We all like to think of ourselves as rugged individualists. But when push comes to shove most of us are sheep who do what we are told. Worst of all, a lot of us become unpaid agents of whoever is controlling the agenda by enforcing the current dogma on the few rugged individualists who actually exist.