Yea, my first harsh lesson into the importance of gear happened about 10 years ago. I was in college and was riding my CB550K. I had a "the Fonz" style leather jacket that I spottily wore, but on this particular day it was hot, and I was "only going a couple miles". About 1/2 way to my destination, I realized that I hadn't brought something that I needed, so I turned around and headed back to the dorm. As I was turning into the parking lot at the dorm, at no more than 10mph, my rear wheel hit an unseen spot of gravel, and down I went. Even at that slow speed, my jeans were shredded at the knee, and my left forearm was one bleeding sore from the elbow to about 3" below the wrist, complete with bits of tar and gravel fused to my skin.
It wasn't severe enough for hospital treatment, but it still took a long time to heal, hurt like hell, and itched for a good year+ after that. I still have some remnants of a scar on my arm, and ever since then, I try to live by ATGATT. If 5-10mph will take your skin off, I can't imagine what 50-80 would do...we're talking down to the bone.
All in all, I consider it a good lesson learned cheaply and at no real loss to myself.
I've got a picture somewhere on film...if I can find it, then find a scanner, I'll upload some pics.
My goal is simple. It is a complete understanding of the universe, why it is as it is and why it exists at all.
- Stephen Hawking