Time is needed to insert the ear plugs, place a full face lid on, and to slip a jacket on and zip it up. And then ya have to slip the hands in a pair of gloves. Then take em off so you can get the key out of your pocket. Then slip them on again. Time. It really sucks to have to do that all the time. Each and every time. Yet how long does it take to ring a freaking bell and have someone assist you to the bathroom, zip down your fly and hold your member as you drool all over yourself and not even know your name? Call it what we like, I dress for the crash in the hopes that the gear will minimize the deleterious aftermath. Not because it is a sure way to survive a crash. It isn't.
There is not a helmet law in Florida for practical purposes (insurance requirement needs to be met as well as an age requirement). I choose. I choose to sweat my rear end off. To risk ruining a good jacket and lid and gloves and draggin jeans/chaps.
So again, Helmets? Who cares? Quality of life is a personal decision. Whatever we decide we live with. Sometimes forever, sometimes for a second.
(lids jackets and gloves are primarily to keep some busty blond, with a loose fitting blouse, from brushing road gravel out of my epidermal layers. If the gear helps out in other ways all the better.)