I consider this guy waaaaaaaaay too geared up...
http://www.youtube.com/watch?v=wtofbxmlv8Y
I consider the 1st option "Full Gear" but I don't always go out in full gear. It's usually atleast a Jacket, Gloves, Full Face Helmet, Jeans and most of the time Shift riding shoes. But sometimes tennis shoes.
If I was at the beach cruising down the strip from a Hotel to McDonalds it wouldn't be beyond me to go out Flip Flops, no shirt, swim trunks and a Helmet.