I think it is funny the difference between "chaps are needed by everyone all the time" and "I wear chaps because it makes sense if I make a mistake".
One of the guys I cut with said he won't wear a helmet because he wants to get killed, not just injured. Reminds me of, "I want to go peacefully in my sleep like my Grandpa, not screaming like everyone else in his car."
With respect to accidents, say something bad happens one time out of a million. If you are in that situation 500 times, it probably won't get you. 10,000 times, it might not get you, but if you are in the situation 1,000,000,000 times, you are going to get hurt. So, I wear chaps because it makes sense to me.
I also cut with and in front of a bunch of college students. I feel like it is a good example to set, having protection on. I don't mandate it with the guys I take cutting, but it seems to be an unspoken thing, leading by example. We aren't production cutters, but we do have new guys and want to stop accidents in as many ways as possible.