I've gotten scraped hands when there was not a hole in the glove above the scrape, and scraped side-hip when my shorts did not get a hole in them. IE, you can get scraped up pretty good through your clothing.
Cycling clothing is handy because it doesn't flap in the breeze and doesn't soak up moisture like cotton and does provide some saddle padding. Gloves help keep sweating hands from slipping and pad your hands a bit. It's not all intended for wrecking.
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"be careful this rando stuff is addictive and dan's the 'pusher'."