This you tube video shows why it makes sense to gear up. Most of these crashes are one of two things. Cars driving stupid, or bikers driving stupid. Some are just plain old bad luck. Amazing how many of them don't have proper gear. Equally amazing is how unscathed some of the geared up guys are after a pretty good spill. By the way I never quite figured out the guy at the end who appears to be carrying a double bladed axe with him?