Yearly MOT in UK, which although a hassle can be handy to have someone give the bike a once over and say oh did you realise that XYZ isnt right.
As for clothing i personally think Gloves and boots should be a legal requirement. There are so many usually scooter riders who wear trainers and no gloves. which is fine but come off at 30mph and its going to hurt.... and the NHS pics up the bill. I have only had two accidents one one a low side from locking the rear wheel (on a 125cc bike) which my boots saved me from what would have surely have been a broken ankle. and the Second was 60mph into the side of a tax that pulled out into the road. I had jeans on that day and luclky i hit a nice grassy verge.... I always wear proper trousers now and a jacket with a spine protector as if i landed on the road that day... broken back maybe? Before this incident i though that i was a good enough rider to not crash...
Ride as safe as you can, take calculated risks... but you can never calculate risk of other road users. Which is why for my 4 mile commute i wear full gear and always will.
Anyway... sorry for rabbiting on.