That's a good reason for wearing a wet suit hikermor. But the average person won't. The boss won't wear a vest because she likes to tan and I spend half my time putting a safety line back on her.
Now in bad weather I wear my abandon ship gear and have my bag ready to go. Not only am I Equipped To Survive, I'm a tiny bit paranoid about the survival of those I care for. After all, I finally found one that can cook and puts up with my job.