I wear chaps for my legs if I'm doing more than removing some offensive branch. Years ago when cutting trees downed in a storm I got tangled up and fell while cutting. The chain saw cut into the top layer of the chaps.
I can not tell you how nice it was to look, say golly gee, and then laugh a bit.
So, like a lot of safety things you only have to use them once to appreciate it.
And now, the anti-chaps story: I was doing some grown man weed wacking in the area of a dried up pond, and had the chaps on to protect my pants (didn't want them to get too dirty with grass bits). A felt a bite on my ankle. Said golly gee. Felt another on the back of my neck, said Golly Gee. Realized I had just opened up a yellow jacket nest, and said GOLLY GEE. I dropped the weed wacker and run, trying to remove all the clothing I could 'cause they were into me. Trying to run, unbuckle the chaps, swap bees, etc. It wasn't pretty and they tagged me about 25 times.
I still wear chaps when chain sawing a lot, but not when weed wacking.
Pete