Gaining skill means coming off.
Coming off means lost time at work and potentially getting fired if you do it enough times.
So it’s a tossup, wear what all the part time mtbers, full time roadies are wearing so I don’t get laughed at by beer bellied 40 year olds on carbon CXers or XC machines – and give up on pushing myself. Or don a bit of extra armour in the hope that it’s enough to stop me from breaking the thin red line between a mild and a serious off.
Hips, Knees, Elbows with high impact protection levels (eg Forcefield shorts, Scott Grenade kneepads and elbows) and a back protector backpack for trail riding. Plus goggles and a Bell S2R.
As above for DH, but with a forcefield level 3 back protector and IXS chest protector + proper DH lid.
Next up is a Leat DH helmet, as I value my brain.