I ride with a fairly uncommon setup. It works for me up here in Boston, but may not do so well in the hotter climes. I use a full body Cordura body suit from Aerostich. It’s designed to fit loosely, so you can wear it over street clothes with no problem. Its well ventilated, water-proof and has a ton of storage pockets.
Don’t lose faith in textile! I can speak for the safety factor. The suit held up completely through my accident. I landed on my shoulder, and the armor prevented me from dislocating it or breaking my collarbone. The Cordura completely prevented any road rash. The worst the suit got was a little scuff on the knee and some dirt on the shoulder. It didn’t need repair after the crash.
I mean, its the kind of thing you buy once and then never replace. Sure, I look downright re-donk wearing it (its gray with high-visibility yellow patches on the shoulders, elbows and knees), so much in fact that my co-workers call me the Power Ranger. I don’t care though, the thing keeps me safe and visible. I would consider it a cost-effective, practical alternative to a full leather racing suit.
Edit: Oh hey yeah, that’s me wearing it in my picture. I had forgotten about that!