When I first got my ST I got into a bad habit of being a squid. . . But I came back to my senses and now wear my riding jacket and pants whenever I ride. . . I have never risen my CBR with our full gear though. The ST has that illusion of a cocoon of safety. . .
Well sometimes you have to learn by mistakes; I will never forget falling off my bicycle doing about 20 mph downhill (in Richmond Park actually which is in SW London). Wearing only Lycra shorts and a T-shirt offered NO protection against gravel rash and skin loss even at that *relatively* low speed