For years I rode in jeans and a light shower proof coat. I invested in boots because an A&E nurse told me that foot/ankle injuries where very common. I wore leather gloves because that just seemed sensible. Now I wear bike gear with shoulder, elbow, hip and knee pads because these pointy parts of the body can suffer from gravel rash. My jacket has a back pad and when seated it touches the seat, due to its stiffness it fully supports the jacket and raises it slightly off my shoulders/neck. This is great for me because the slightest pressure on my neck region gives me terrible headaches.
I only ever expected those pads to save me from gravel rash and never saw them as bone break prevention...