you can spend some serious cash on quality riding gear. i buy the best i'm able to afford. even excellent gear won't prevent you from getting hurt, but it can help minimize the bodily damage. buying excellent gear is less expensive than a care-flight helicopter ride, a hospital stay, physical therapy...
perhaps the worst part is that the older you get, the slower you heal. gettin' old sucks and i'm not even that old.
that klim adventure jacket looks like a damn good jacket, but $1200 is a big ouch! throw in some pants of the same quality and maybe.