It should matter to you since it has an effect on your insurance rates.Read it all and it makes a lot of sense.
Interesting about the lack of gear. In New England this past week I probably saw hundreds of bikers of which about 99% wore no helmet and about 50% had no gear on. Doesn't matter to me though,..it's their lives,...Snip
It's hard to say. In Canada there is a healthy amount of collusion with car insurance. I can get 10 quotes and guarantee they will all be within $100 of each other.It should matter to you since it has an effect on your insurance rates.