I too have bit it on dirt bikes as a kid and a motorized bicycle twice now that I'm old so I don't dick around with safety, my body just won't take any more real spills and come out OK.
I have a 1/2 shell Pro Tec I wear and of course glasses and gloves even when it is 110F (it's 113F today).
I employ the logic of a 'loose tank' myself on most every build but for a different reason.
I put some handlebar grip material between the 2 tank stud pairs and snug the tank down tight enough to not move around or rattle but if the bike falls over sitting still the tank moves and doesn't dent. It takes both hand but I can spin the tank back into place and that has saved a good hanfull of potential tank dents.
One last thing I will scream until my my last breath is it is better to avoid a wreck in the first place and I have 2 things that will drastically cut down the chances.
#1. GOOD BRAKES ON BOTH WHEELS!
I won't let a bike out of my shop with one brake even for simple repairs and I have to pay for it myself. Riding any MB with just a coaster brake is just flat stupid and begging for a wreck.
#2 FRONT FULL TIME STROBE LIGHT!
I really need to make a video of this but the logic is simple.
Most every potential crash danger you will experience out on the road is someone pulling out or across in front of you because they didn't see you or judge your speed right with just a glance.
A bright strobing front light, especially in daylight, and drivers take a second look and that my friends is all it takes for them to realize you are hauling ass and stay put until you pass.
My personal favorite for the money is:
1200 Lumen 8.7V Lithium Ion Battery powered CREE XM-L T6 LED Light.
Package includes front and rear lights, battery pack with velcro mount case, charger, handlebar mount and some cheesy headband mount thing I laughed at ;-}
It has High, Low, and Fast Blink modes, it is removable, rugged and does an outstanding job day or night for less than half what bike shops charge.
$55 installed for my customers which is a frigg'n bargain I really try to get them to buy because the last thing I want is a customer getting hurt for something as silly as no basic safety according to my book.