My wife wears a Joe Rocket jacket of fabric and mesh with a removeable liner that has shoulder, elbow and back armor in it. I think she got it from www.newenough.com She likes it because she can wear it in the summer and it's not too warm. She had a relatively low speed spill and the armor really saved her arm from some damage. I'm sure just a leather jacket would have done the same for the road rash, don't know about the actual impact injuries. I guess my point is 1) armor is worth it 2)buy a jacket that you can wear in warm weather. The full face helmet kept her jaw in one piece. You might want to check out Leather Up: http://www.leatherup.com/c/Womens-Motorcycle-Jackets/sortby_price/sortby_price/2/103.html I vote for the "Shift" if it's got armor.