I have recently purchased a house that is 20-30 minutes walking distance from the nearest train station. Since I take the train to work every day, this is going to add a fair bit of time (and inconvenience) to my average commute. By bike (or car), though, I reckon it is only about 5 minutes. I work in an office environment where a business shirt and pants are the standard attire, so I would need to get changed. So wearing full gear for a 5 minute ride just doesn't seem practical. I see a lot of riders seem to stick to just jacket and helmet for short trips, and I wanted some opinions on whether this was being foolish. 10 years ago, I probably wouldn't have cared. But these days I'm older, wiser and have a family to think about. So I'd like to hear from some experienced riders and what sort of gear they consider mandatory for a quick ride to the nearest station.