Wow. I'm not advocating going without full gear.. but I do see people (my husband included) who risk their arms and fingers by wearing short sleeve shirts without jackets. I DON'T know why you wouldn't wear a f'n helmet?!!??! Seriousy!!!! What the hell is wrong with you to not bother to protect your head most of all?! I'm glad to hear they will both survive.. but wow.. what a cost for not wearing gear! My husband may be riding 2 up this weekend when my 53 yr old stepgrandmother comes into town but I am prepared. Extra helmet in the garage and she can wear his tech jacket since he obviously just lets it sit on a hanger.