I don't get why people ride without proper gear.

During my training hours I've already been on a bike at 35°C. Yes, it's hot while you're waiting at some traffic lights in a jacket, boots, motorcycle pants, gloves and a full face helmet but when you are moving you get cooled nicely by the wind (on a naked bike). The very idea to ride without a helmet is strange to me. Aside from the safety factor the wind alone at 60 mph would put me off. Besides, the first thing I do after getting home after riding a bike is to clean all the dead insects from my helmet...I definitely don't think I would be looking very cool with those on my face.