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I think it's worth it if you don't engage in the kind of riding that inevitably means you'll crash eventually. Sadly, a Ninja probably means "that kind" of riding.
Now, this is a 46 year old perspective. Note that I felt much differently 25 years ago. I survived. I'm not big on safety gear but I ride very safely. If I was squirting around corners and riding wheelies, I'd have full leathers & the works.
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