Very personal choices.
I do not think my responses will be typical, but here goes.
I have been riding since 1961, and have covered a distance greater than from here to the moon. Lots of folks have gone farther, but still that is a long way. At first, my choices of gear were limited by my budget, very very limited. Now they are not so limited that way, but still I do not wear much safety gear.
Last year I rode from Florida to Virginia and back, taking the scenic route and covering over 2500 miles. Here is a list of my safety gear: helmet.
No gloves, no jacket, ordinary shirt, ordinary slacks, ordinary shoes.
For me, safety includes my comfort, and when I am going to ride over 500 miles in a day, I have no time for extra bulk, extra heat, any impediments to reaching and using the controls.
Do I fall? Of course I fall, but nowadays I find that the only dangerous speed is zero. Falls still hurt, but there is not a lot of friction. No road rash, and the bruises are slight and heal in days, if not hours.
Did I ever need safety gear? Yes, and it would not have helped me to be wearing a Buick! A ten-wheeler backed over me and ruined the bike. Four of the wheels went over me. What sort of off-the-shelf gear would have minimized my injuries? I don't know. When they pulled me from under the cab of the truck, I stood up. Shakily, but I stood, although I did sit down quite promptly, and did not ride for three weeks. I drove to a job interview four days later.
So you can count me a minimalist from the point of view of gear,
for the past 51 years, and perhaps some of the years ahead.
This choice is clearly working for me. I hope your choice works for you.
I do not have a suggestion box for this subject.