Ive never been one for wearing armor, but he last few years I've been wearing my leather jacket year round for every time I ride. As stated above, I'm more concerned over road rash then blunt impact trauma.
That being said, the one time I did go down in this jacket a few years ago, I hit pretty hard then got dragged by the bike as my foot got pinned by the engine.
The jacket is thick enough without armor that it fully absorbed the impact and handled the road rash very well. The sliders jeans I was wearing had the outer layer torn up, but the Kevlar liner held up just great.
For the jacket, I sanded the rough spots smooth then re-dyed the leather and the jacket looked almost good as new.
I was a little sore for a few days, but not a single mark on me.
I'd rather wake up in the middle of nowhere then in any city on earth.
2014 Vulcan 900 Custom (16,200 miles and counting)