Lots of years ago, when I was an air cadet, I used to wear shorts and t-shirt when flying a Cessna 150 on my flying scholarship. I was cured of this practise when one of the flying club instructors showed me the deep red scars around his wrists and lower arms that had been caused by his habit of flying with his gloves rolled down and his flying suit sleeves rolled up combined with a flash fire in the cockpit of his Canberra.
Lesson learned, and now I always dress to survive.