i mean do you plan to ride all year round, or just spring/summer/fall on nice days, would you purposely ride on a rainy day or have a car for that, if you don't plan to ride in inclement weather i would buy what will be more comfortable 90% of the time you do your riding, and if you get caught in the rain or a cold day deal with it as it comes by throwing on a XL hoodie or something, i'd say the gear your looking at right now might be a little warm come summer, which is when i do the majority of my riding, now if you plan to ride through the winter it would be good... also how hard you plan to ride, thats kind of all hard to determine before you start, but the harder you ride the more you might want to stress safety over comfort, and vice versa if you don't plan on riding aggressively, but its always better to have more than you need

as for the helmet snapping your neck thing, that is 100% wrong, there is not one single aspect in which another helmet would be more safe than a full face, Suomy is a nice choice, we sell them here and its a awesome helmet, all the comfort and quality of an Arai but half the price, and it has like 20 safety different test stickers on the back which it passes

jesus- my last jacket was a vanson, it held up in my accident awesome, anyone that has ever owned one can vouch that they are the nicest jackets made in the entire world, but expensive as hell