Chaps won't protect your bum/hips if you go down, and they don't have armor. Your bones are as likely to suffer serious injuries as the skin is to get "rashed."
Olympia makes really nice "woman shaped" protective gear. I don't shop for leather gear (except gloves/boots). Textile is nice because it is usually lighter in weight, there are more color options and it can be more easily washed when it gets bug encrusted, etc.
ATGATT: Becuase walking away in disgust beats riding away in an ambulance.