Safety clobber is a gradual thing. When you start as a learner, you don't even know if you're gonna pass, so why shell out 500 quid for leathers etc..
I got my gear gradually, like most, buying better kit all the time.
However, it would be nice is to see insurance companies offering discounts to people who choose to wear decent gear, thus reducing their burden on the state etc in the event of an off.
I would however, like to see some tightning of the PPE rules, as most bike clothing at the cheaper end of the range advertises PPE armour and then has a disclaimer in the label (not defined as personal protective equipment). Not much point in having PPE armour, if the seems are gonna fall apart.
However, the reality is that safety clothing apart from helmets offers minimal additional protection. It may if you're lucky reduce the amount of bones you brake, but it's unlikely to save your life. It wouldn't be practical to have armour thick enough to do the same job as a helmet.
The real issue is that safety clothing can stop minor injuries like road rash, bruising and fractures etc.
PS Now is a great time to buy all your winter gear