Absolutely I wear protection. On the top, I wear a MX 661 back and chest protector. It works great if you wash out on heal side, and go over on your back, especially on the icy terrain in eastern Ontario and western Quebec, that is usually tree lined. I figure it should help if I ever get hit by a pylon as well. Oh and its warm and comfortable as well, so there's that.
I also wear a pair of Thor mx knee braces, not that I have bad knees but again they prevent twisting if I go over, and they're comfortable if I kneel on the side of the hill for anything.
If I could find a pair of hip protectors that I liked, I'd buy them.
I'm old and don't like missing part of my season with injuries. My protective gear is comfortable, so why not wear it?
Chest