I think that I am the "southern most" rider in the states on a new 08, we are still in the high 80's down here in the keys. The 08 Busa does not heat up with the twin fans even close to any of my previous rides. My vintagew 88 Hurricane 1000R is bloody hot, especially at low speeds, traffic etc.
In regards to protective gear, Joe Rockets Ballistic mesh jackets rule, they cover the touchdown points very well yet allow great ventilation. As for pants, I do ride in BDU's, military issue, for daily to work rides as that is what I wear at work, however, when I am going to road trip, top and bottom perforated leathers, unless a cold front is coming through and it gets down to 60, then the full leaters go on.
I have gone down at the least expected time, riding mellow home from work, it is not your riding that is the issue, it is the "other" involved that creates a scenario, i.e a bicyclist, a dog, a drunk.....
When I am riding hard, so far, the better.
Protective gear will save your skin, much like a full face helmet will save your jawbone, face, teeth etc.