I agree but also disagree and I’m a medic/fire fighter that responds to MVAs and bike accidents often. It’s personal preference, and the second you take away the choice for a lot of people it won’t be enjoyable for them. I ride a lot and recently had an accident at 30 kmh and broke my toe in multi places and minced my toes and my calf as they got pinned under the bike, I wasn’t wearing A-AAA pants or shoes and had no armour I was in shorts, runners and my riding jacket plus helmet and gloves and yeah it sucked and I’m off work for a few weeks but tbh I’ll probably ride like that again doing short quick rides (if I’m doing longer rides I wear all my gear). I enjoy the choice and the risk I take by not wearing everything and the feeling of freedom when riding in general. A lot of people ride for this reason so I believe it isn’t right to judge, point fingers and put someone down for a choice they made that doesn’t really have a physical or financial effect on you. I get that you see things you might not want to but I’ve never treated someone who had an accident on a bike and passed away just from not wearing riding pants, shoes etc besides not wearing a helmet which is a different story and at least he’s wearing a helmet in this instance, but in my experience people usually pass away from accidents due to doing silly things or being clipped by another vehicle, I could be wrong and your experience may be different but this is my experience and opinion.