Even here in the deep, deep South, I don't go riding without ATGATT (All The Gear, All The Time).
Got a Triumph 'Rochester' mesh jacket for the ten months of the year its above 80F, perforated leather jacket for the other two months. Always wear at least heavy denim jeans, usually kevlar-reinforced.
Had to lay down my Speed Triple two years ago when someone made a left directly in front of me. Ruined my boots, jacket, helmet, pants and gloves. Got a quarter-size rash on my knee where the pants wore through.
Sore as hell for the next month, but didn't need to nurse my skin. The driver paid to replace the gear and fix the bike (frame sliders kept damage to a minimum).