As to falling, I would start by not doing that. Regardless of what you are wearing.

I wear whatever I'd wear if I were driving. Typically jeans and oxford shirt. Maybe a sweater or sport jacket when it's cooler and heavier jackets during winter. Whether I'll be riding or driving doesn't affect what I wear except maybe a heavier coat if I'm riding. This is fine up to about 90f. Above 90f I sweat a bit more.

For fitness/training rides I typically wear lycra shorts and a team jersey. If I fall I'll get scraped up. See first paragraph.

For WNBR my girlfriend and I wear matching paint. Again, see first paragraph.

Don't over complicate it.