I always wear the Joe Rocket Mesh jacket with pads, mesh gloves, and full faced helmet. I guess now that I'm older I want to keep as much hide as I can if, God forbid, I ever go down.
.....that's how we roll!!!
Wait a minute! You aren't wearing all that gear in your profile pic!
(Tee hee hee)
I have ATG, I just don't wear it ATT. It's a judgement call before every ride. How lucky I feel that day, which bike I am going to ride, what kind of ride I intend to do. If I am going to be on the bike all day putting miles behind me, or if it is CCCold out, I will most likely go with ATG. But I have ridden 90 mph with a backless halter top on and no helmet, too. I've ridden around rallies in a bikini top. The less protective gear I have, the more careful and alert I am.
I have noticed that other drivers seem more courteous to me when I am NOT wearing a helmet. I don't know why, maybe they can tell I am a girl and they are either intimidated by a chick on a bike, or worried about the "woman driver". But when I have a helmet on, I often feel like it acts as a giant magnet for cages.
My glide has one saddlebag which remains permanently packed with rain gear and tools and a baseball cap (helps in rain) and backup glasses and gloves. The other bag usually has my laptop in it. And I have a handlebar mount for my iPhone so I can feed my tunes through the radio, and also use google maps to discover new roads. But my Buell and the softail don't have saddlebags, or the iPhone mount, so I am generally without all those extras. Although, I have bungied my computer on the back of both of those bikes. And I do have a sissy bar bag I can pack the softail for a day trip or an overnight.
I also have an emergency overnight bag on the glide...it has a pair of glasses and a contact lense case and a pair of disposable contacts, as well as a toothbrush and sample packets of shampoo and conditioner. You know, those bare essentials. LOL
Every ride is different!
...
My friends made a calendar a while back, that was one of the photos for the calendar. Trust me, it felt really strange to ride without all "my gear". 
