I see you spew this type of drivel all the time. What? Ride in shorts with no gloves....you'll be more careful and thus live longer.....you expect anyone to listen to that crap? It's obvious that this is your way of rationalizing in your own mind, the fact that you like to ride in flip flops and a beanie......and thats fine. Your personal choice. But here you have a new rider, specifically asking what gear is most protective! And you're here telling newbs that full coverage gear isn't essential, becasue their riding ability will keep them safe is a farce and you know it.
Every day, riders are vulnerable to many circumstances we have no control over regardless of how good a rider you think you are. Your point that many bike fatalities couldn't have been prevented by leathers, boots, gloves etc, may be true. But there is also the hundreds of instances where a minor off can result in a major inconvenience or worse.......a 20 kmh slide on a manhole cover, with full gear, might be a get up and walk away affair. With no gear, maybe you can never wipe your own a55 again. Prime example.
You are doing a disservice to new riders by downplaying the importance of taking as many of the dangers out of the equation as we can beforehand, becasue there are many unknows left in the equation for us to deal with already.