I'm actually a daily commuter, my bike is my only form of transportation.
I figure my spine is one of the more important things I want to protect so I got the Knox race version because it covers the lower back.
Given the stupidity, lack of attention most cagers are know for, I do think that something is better than nothing. I think the street is actually where you should be wearing the most "hard core" protection....lots more dangers on the street IMO.
It's really up to you and what you're willing to wear. If you get the Knox and then decide it's too much trouble to use since it's not a part of the jacket, it's ultimately worse than one of the regular protectors.
I know that for me personally, I want the best protection for what I consider a hostile riding environment.
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