Depends where I am.
In the less tropical conditions of England I wear everything I have almost all the time: Jacket with elbow, shoulder and back protection, over trousers with knee protection, gloves&boots, and of course helmet. Although I've recently been wearing an open-faced style for comfort, wind in the face and (I think) more vision.
In America I wore Jeans and a token gesture of a helmet. lol
(I know, it's
not an XT)
But sometimes, I am Bad. Not in the slang sense as in wicked, but as in good old-fashioned naughty. Like in turkey, it was just too hot for me. Although I always wear gloves and helmet, if that helps.
I know the risks, I've spent time in hospital for bike and non-bike related things; It's just my choice at the time.
(dare I post a pic, sure it's on the site here somewhere anyway...)
....but most of the time I am good.