I wear a nomex suit , gloves, leather boots, and a excellent custom HGU 55 helmet when flying high performance aircraft, like the T-28. I don't wear anything special in light aircraft. Personnally I do not think the danger justifies the requirement. However I always wear a shoulder harness which I have properly adjusted, and wear , not just carry, a life preserver when flying over water. When you look at the accident statistics , the lack of both measures has been named as a contributing factor in many fatal accidents. I would recommend you spend your money on recurrent training. The flying school I used to teach in, had a mandatory annual recurrent training program. Over 3 yrs and many recurrent rides I NEVER HAD a PPL who made a good practice force landing the first try, and many who totally missed the field.