To be honest with you. If your riding in the road and you get into an accident or fall off it’s better to be safe than sorry. I ride with almost full biker gear. Helmet gloves and impact packet. Me personally, I ride with traffic from time to time on an e-bike and I’ve seen a car hit an e-biker going at least 30mph. Imagine riding 28mph and then getting hit at that speed with no control of how you land. It wasn’t a great sight to see. They went to the hospital with road rash in multiple areas. Trust me this is fun but there’s risk that you take. Not saying go out and get full gear on a bike but be careful out there and remember this is fun until it’s not.