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This is what I'm guilty of. I wear full gear, and then throw on jeans. I know it's not good, but I still do it because I didn't want to spend hundreds on actual riding pants. That'll change next year.
As far as noise goes, I know too many old pilots who are very hard of hearing, if not near deaf in one or both ears because of noise on the job. We all wear hearing protection now, but back in the day, even small airplanes didn't have headset jacks because nobody used hearing protection. I've been flying for 10 years, and riding for 5. Two things you can't get back are eyesight and hearing, both of which are used and abused in my work and hobby. I'll spend the money for the protection.