Well if its a causual ride to town or the store i have rode with helmet, shorts, tank top, and flip flops but im lucky to get over 50, I went to bike night at quaker steak and lube the other night in knowville which is an hour and a half ride and it was jeans, boots, jacket, helmet and golves, on the way home for the night ride i put on my leaterpants that i took with me. Its a chance you take whenever you go out. oh yea forgot to mention when i take it and cruise in gatlenburge or town i take my half shell, the heat and humidity is painful.