I've actually used a handgun to defend my life (no shots fired) and I hope to never need to use any of the motorcycle safety gear that I own.... The chances you'll need your handgun is very slim, but no one here gets butthurt when someone advises carrying.
But I am a strong advocate that people take responsibility for their own safety.
Ride without gear, I'm OK with that. Don't carry a gun, again that is your choice. Neither are a guarantee, but both of which can help reduce your harm, often dramatically.
But when your family is grieving I'm going to point out the obvious.