Everything you list is important...Some further thoughts are,,,,Sturdy footwear is definitely important, but steel toes boots will wear through at the edge of the steel tip on the left side where the shifter is. Gloves are good at all times. I use a set of vented gloves that have little bits of plastic armor at the knuckles. As far as the wallet goes, keeping it in the back pocket messes with my back, the front pocket is just plain uncomfortable. I usually wear my Joe Rocket jacket, so the wallet and cell phone go in the jacket pockets. If I don't wear a jacket, I will wear a vest and put the wallet and phone in the inside pocket. Comfort is everything!
2011 XR Midnight Cherry, Hard Bags, Vic htd grips & seat, Vic medium Windshield, unlocked speedo, Lloydz Air filter, VFC III, Lloydz ATS +4, Vance & Hines slip ons
1993 Vulcan 1500 (sold)
1981 Yamaha Seca 750 (ridden into oblivion)
1977 Honda 550 (sold)