All the gear, all the time.

[Pockets]

At 19 slipped in gravel on the road at woodford at about 80kph and hit a guard rail. Full gear. Dislocated left elbow.
In 20's hit from behind at stop light. Full gear no injuries.
In 20's hit by lane changing bus. Full gear, no injuries.
In 20's hit by lane changing car. Pushed bike under a truck. Full gear, broken little finger.
In 20's hit by speeding lane changing car. Full gear. Slight gouge in a finger where glove wore through.
In 30's slipped in oil at roundabout, full gear, no injuries.
In 40's got complacent. Paid price.