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4. GF on the back with no gear.
^^ This.
I made damn sure my wife-to-be was covered head-to-toe and was wearing more gear than I was, even before we knew if she'd like riding. She even got my back protector. I was NOT going to have a wreck, and be left explaining to her father why I was in more gear than she was.
Once we knew she liked riding, which was about the same time we got engaged, we made some major gear purchases for her. Her own jacket (instead of one of mine), her own helmet (as opposed to my sister's), her own boots, gloves, et cetera. Actually, I think my wife's jacket is nicer than either of mine.