Well, its really down to the point where, do you think you can take the injury. If your not going huge, theres a limited number of things that can happen, and most of them arent that bad. When I was just starting, all I did was go over the bars. First day I got my new bike, over the bars. When I DH race I tend not to wear my armor due to mobility, but I think I might. Last race I got a brusied clavacle, cut both knees deep, and smashed my neck on a rock under my fullface. Most of that could be avoided with some bodyarmor. I do wear pads, but on a water bar, my front tire blew out, sent me into a tape line to bruise my clavacle, then, I went into a small rockgarden. Its all user preference.