True true, and those guys go against traffic/don't even have lights.
I got the Hi-vis jacket just for the winter time, since it's colder and it can rain here and there, not because I'm going to trust cars more

Once in a while I go on "naked" rides without a helmet or anything and it is a bit liberating. But if the day comes when something happens I don't want to be wondering "If i had ___ would it have not happened?"

Maybe this is like the paranoia with PC safety? Most of the time nothing will happen, but people still like to take all these safety measures.