There isn’t much excuse against good protection these days. Especially when you consider the cost of a bike and running it, there’s not much in the way of savings by avoiding specific kit.
I can buy leather bike jackets any day of the week for £20 on ebay, and textile jackets the same or cheaper. Similarly textile trousers. I don’t have an issue with buying un-crashed washable moto clothing. My favourite Richa textile jacket came from a charity shop for something like £15!
Even the Chinese hard armour is better than no armour, and soft CE armour is plentiful.
I’m surprised that some people still recommend “a good hiking boot” as an option. I see it on ‘what kit do I buy’ posts on facebook. To me a good hiking boot costs between £50-200. I got a pair of used MX boots for £30, and the NOS unboxed AS Corozals for £50 on a clearance and returns area in a bike shop.
Then again, any time I’ve moved the bike in shorts and trainers I’ve shinned myself on a footpeg, so I’m always happy to wear proper boots.
I remove armour from most clothing and wear it directly now, unless the fit is tight enough to avoid slipping. Either Acerbis X-Air soft armour or 661 hard armour fits under the lighter AS jacket come the summer. Might start wearing the Acerbis hard knee pads again now that the tracks are getting more gnarly.
Can’t help on a crotch cover though.