I'm not advocating that people should not use helmets, nor am I arguing that people shouldn't wear gear. But the choice should be a personal one that is based on legal requirements on one hand, and a realistic appraisal of risk to self on the other. Risk appraisal is very much situation-dependent. There is no one-size-fits-all risk measure for riders.
In the US, the riders most likely to wear full gear are sportbike and supersport bike riders. The riders least likely to wear gear are cruiser riders, and many of those cruiser riders won't even wear a helmet in the half or more of states that do not mandate compulsory helmet usage. Yet, guess which group has the highest fatality rates?
Here are the results by bike type:
http://www.insurance-canada.ca/claims/canada/2007/IIHS-high-performance-motorcycles-deaths-709.php
[TABLE="class: normal"]
[TR]
[TD="colspan: 8"]
Note: Total includes all motorcycles except those identified as off-road (ATVs and dirt bikes)[/TD]
[/TR]
[TR]
[TD="colspan: 4"]
2000[/TD]
[TD]
[/TD]
[TD="colspan: 3"]
2005[/TD]
[/TR]
[TR]
[TD="class: left"]
[/TD]
[TD="class: bottom"]
Deaths[/TD]
[TD="class: bottom"]
Registered
motorcycles[/TD]
[TD="class: bottom"]
Deaths per
10,000 registered
motorcycles[/TD]
[TD="class: bottom"]
Deaths[/TD]
[TD="class: bottom"]
Registered
motorcycles[/TD]
[TD="class: bottom"]
Deaths per
10,000 registered
motorcycles[/TD]
[/TR]
[TR]
[TD="class: left"]
Cruiser/standard[/TD]
[TD]
976[/TD]
[TD]
1,752,377[/TD]
[TD]
5.6[/TD]
[TD]
1,583[/TD]
[TD]
2,778,348[/TD]
[TD]
5.7[/TD]
[/TR]
[TR]
[TD="class: left"]
Sport/unclad sport[/TD]
[TD]
248[/TD]
[TD]
229,020[/TD]
[TD]
10.8[/TD]
[TD]
430[/TD]
[TD]
401,130[/TD]
[TD]
10.7[/TD]
[/TR]
[TR]
[TD="class: left"]
Supersport[/TD]
[TD]
619[/TD]
[TD]
273,733[/TD]
[TD]
22.6[/TD]
[TD]
1,128[/TD]
[TD]
501,002[/TD]
[TD]
22.5[/TD]
[/TR]
[TR]
[TD="class: left"]
Touring[/TD]
[TD]
256[/TD]
[TD]
480,314[/TD]
[TD]
5.3[/TD]
[TD]
521[/TD]
[TD]
807,291[/TD]
[TD]
6.5[/TD]
[/TR]
[TR]
[TD="class: left"]
Other/unknown[/TD]
[TD]
442[/TD]
[TD]
829,944[/TD]
[TD]
5.3[/TD]
[TD]
388[/TD]
[TD]
893,567[/TD]
[TD]
4.3[/TD]
[/TR]
[TR]
[TD="class: left"]
Total[/TD]
[TD]
2,541[/TD]
[TD]
3,565,388[/TD]
[TD]
7.1[/TD]
[TD]
4,050[/TD]
[TD]
5,381,338[/TD]
[TD]
7.5[/TD]
[/TR]
[/TABLE]
You are right in that a given type of bike may or may not be inherently more safe or unsafe than another, but certain types of bikes do let the rider get in over their heads far more easily and quickly than others. Also, certain types of riders will tend to gravitate towards a certain genre of bike because of performance characteristics of that bike.
The stats in the article goes on to note various kinds of riding errors and choices by bike type. Sport and supersport bike fatalities are twice as likely to include excessive speed as a factor, while cruiser fatalities are more likely to involve alcohol.
The biggest threat to life and limb is not road rash. Road rash is painful as hell and may force a time-out from riding, but by itself road rash properly treated/cleaned/disinfected will seldom kill you. The biggest threat is massive blunt force trauma and the force encounter in such trauma increases exponentially with speed.
Using your rationale and extending it to the family car, there is no difference between taking the car for fast laps around the race track and making a short hop to the corner store for milk. In both situations, only a fully-prepped car with a full roll cage, window-netting, 5-point safety harness, nomex suit gear for the driver, and a helmet will do.
Clearly that is overkill. Instead we do make a trade-off between maximizing occupant safety should a crash happen versus practical comfort decisions, and we do it on a daily basis in just about every aspect of our lives. As long as our choices fall within the law and do not impact the safety of others, who is anyone to dictate to others what their choices should be?
Same applies to riding. Aside from what is legally required, wear what you feel is appropriate given your own risk comfort levels, type and location of riding and riding, as determined by you, in conjunction with your own personal assessment of acceptable
All the gear in the world won't protect you from serious injury arising a hard impact into a front or rear bumper, hydro pole, or the tires of a transport.
Your gear, if you choose to wear gear to whatever degree, should be seen as a last-resort safety-net, and not the primary line of defense. The first line of defense is avoiding the crash altogether, and the best way to avoid risk of crash is to adopt careful, conservative, and defensive riding habits.