I understand your point and agree in 98% of the cases. My personal answer is it depends. I live in Central Florida, and it gets blazing hot/humid here. I'm not just a gear snob, I'm a gear junkie. I've got 3 Dainese jackets (the $700+ ones), 1 Alpinestars (a $700 Atem), 1 each Dainese and A* leather pants to make the aforementioned jackets 2-piece suits, 2 one-piece race suits (had 3 before I totaled one in a track crash), 4 pairs of boots, 6 pairs of gloves and 5 high-end helmets (trimmed back from 11). I'm not listing that to brag, rather to show the dichotomy that I wear some combination of that stuff when I'm out for a ride longer than 4 miles but significantly less for "errand runs."
When I'm going to get my hair cut, go to Redbox, or get lunch in the hottest summer months, I'll admit to being a bit of a squid and wear shorts, a t-shirt, helmet, gloves, short boots and a level 2-rated backpack (Boblbee Megalopolis) or a Dainese backpack with integrated BAP back protector).
Been riding for 23 years, roadraced for 6, track days at least 10 times a year most of that time and been to 6 racing schools. Motorcycling has been a passion for more than half my life and I will talk anyone's ear off about machines, gear, racing, etc. So while you may catch me looking like this:
I can tell you I would so much rather be doing this: