I am the dissenter. I don't like helmets, seat belts or gear. Doesn't mean I don't wear them. But I don't want YOU to tell me I HAVE to. You can tell me, however that I SHOULD.
Having said that, I have a COOL Yamaha mesh jacket with light armour that is pretty slick. I have some other lightly armoured heavier gear and a heavy armoured Harley leather jacket that I wear when it's cold. Sidi boots are quite nice.
However, yesterday I rode my bike about 70 miles in shorts and a t-shirt. Ball cap. Did I feel naked? No. Did I know I would be road kill in an accident? Yes. But man, it was just too hot. And it was a pleasure cruise. Even did the speed limit. Was being passed by gray haired ladies in Neons. THAT did make me nervous.
I think someone already said that having gear on actually may keep you cooler, especially from the FJR heat.
I'm just glad that most my gear is not black. I ride with Harley guys and in the summer: black black black. Those guys are nuts. Leather is a great idea, but absorbing all those rays has to be tough on you.