A lot of gear is "armored" meaning that it has some padding to ameliorate a collision, mostly with the pavement. Most bikers realize they're not wearing a suit of armor. All I can say is your first crash will be your last. If Murphy can get me he can get you too. The difference is mine was more an inconvenience, yours will be debilitating. Your choice, and you are entitled to make it.
I was six years old when I had my first crash, I was 12 when I went through my first m'cycle (actually three wheeler) induced surgery. I've had more crashes than I can possibly count both dirt and road track and am quite aware of the potential consequences. I also know far too many riders who take "armor" literally and ride completely insanely.